Air India SBI Signature Card
The Air India SBI Signature Card is a premium co-branded credit card from SBI Card and Air India, with a joining fee of ₹4,999 + GST.
It earns up to 10 miles per ₹100 (≈5.5% value) on Air India spends in the form of reward points (miles).
Cardholders get 8 annual domestic + 0 annual international airport lounge access, plus 20,000 reward points and complimentary air india maharaja club membership as a welcome benefit.
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForTravel
- Reward TypeReward Points (miles)
- 10 miles per ₹100 on air india bookings
- Base 2.00% on other spends
- 20,000 Reward Points and complimentary Air India Maharaja Club membership
Rewards and Benefits
- ₹5,00,000 / annual: 20,000 bonus Reward Points
- ₹10,00,000 / annual: 30,000 bonus Reward Points
- ₹20,00,000 / annual: 50,000 bonus Reward Points
- Anniversary gift — 5,000 Reward Points every year on card anniversary.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.2% = ₹330/mo
- Groceries₹8,000 · 2.2% = ₹176/mo
- Dining & food delivery₹8,000 · 2.2% = ₹176/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.2% = ₹220/mo
Travel & hotels — earns base; accelerated rate needs booking via air-india-direct
- Utilities & bills₹5,000 · 2.2% = ₹110/mo
₹12,144 rewards − ₹4,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded premium card by SBI Card and Air India.
- Joining / annual fee of ₹4,999 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (0/annual).
Pros & Cons
- Strong base reward rate of 2.00%.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈5.5% on air india bookings.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Welcome benefit
- 20,000 Reward Points and complimentary Air India Maharaja Club membershipJoining fee paidWindow: 15 days from issuance.
Accelerated rewards
- 10 miles per ₹100 on air india bookingsMerchants: air-india10 Reward Points per Rs. 100 on Air India tickets booked via website, app, booking offices or call centres (including Super Saver tickets for self and others).
- No per-month/statement/annual cap on Air India accelerated Reward Points per the card's own Combined T&C (Air-India-Signature-Combined-TC-16JUL2025, sec 11.4); earn is 10 RP/₹100 (cut from 30 RP w.e.f. 31-Mar-25).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- emi
Milestone benefits
- ₹5,00,000 / annual: 20,000 bonus Reward Points
- ₹10,00,000 / annual: 30,000 bonus Reward Points
- ₹20,00,000 / annual: 50,000 bonus Reward Points
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Other benefits
- Anniversary gift. 5,000 Reward Points every year on card anniversary.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.