All cards / SBI Card
Air India SBI Signature Credit Card
Air India SBI Signature is built for people who fly Air India often — 10 points per ₹100 on Air India ticket purchases and a straight 1:1 conversion into Flying Returns miles make it one of the simplest ways to stack up airline miles in India, backed by a chunky 20,000-point welcome bonus that covers most of the joining fee in value. Outside Air India spend it settles into a fairly ordinary 4 points per ₹100, so it's a specialist card rather than an everyday one.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
4%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 4% base rate
- Travel: Complimentary Air India Flying Returns membership; Reward Points convert 1:1 into Flying Returns miles
- Domestic lounge access: 8 complimentary domestic lounge visits per year (max 2 per quarter)
- International lounge access: Complimentary Priority Pass membership (worth $99) for 600+ international airport lounges; $27 usage fee per visit after complimentary period
Benefits by category
- ✈️ Travel
10% reward rate · 8 complimentary domestic lounge visits per year (max 2 per quarter)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 20,000 Reward Points on payment of the joining fee, plus a further 5,000 points every card anniversary
- 8 complimentary domestic lounge visits per year (max 2 per quarter)
- Complimentary Air India Maharaja Club membership; Reward Points convert 1:1 into Air India Maharaja Points
Pros
- + 10 Reward Points per Rs. 100 on Air India bookings, convertible 1:1 into Air India Maharaja Points
- + 20,000-point welcome bonus plus 5,000 points every anniversary, largely offsetting the Rs. 4,999 fee
- + 8 complimentary domestic lounge visits a year
- + Complimentary Air India Maharaja Club membership bundled in
Cons
- − No spend-based waiver — the ₹4,999 joining and renewal fee is fixed every year
- − Base rewards outside Air India spend are unremarkable at 4 points per ₹100
- − Value is concentrated almost entirely around one airline, so it's a poor fit if travel plans change
Related guides