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Air India SBI Signature Credit Card
Visa
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
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
Benefits
- 20,000 bonus Reward Points on joining, plus a further 5,000 points every card anniversary
- 8 complimentary domestic lounge visits per year (max 2 per quarter)
- Complimentary Air India Flying Returns membership; Reward Points convert 1:1 into Flying Returns miles
Pros
- + 10 Reward Points per ₹100 on Air India bookings, redeemable 1:1 as Flying Returns miles
- + 20,000-point welcome bonus plus 5,000 points every renewal, largely offsetting the ₹4,999 fee
- + 8 complimentary domestic lounge visits a year
- + Complimentary Flying Returns 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