MyFinCards
Air India SBI Signature Card

Joining Fee

₹4,999

Annual Fee

Rs. 4999 + Taxes

SBI Card
Travel
Rewards
Best For: Frequent Air India flyers, International travelers, Those seeking airline miles rewards

Air India SBI Signature Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹1

Earning Cap

₹1,00,000 /annually

Points Validity

24 Months

Pros

  • High welcome bonus of 20,000 Reward Points
  • Up to 10X Reward Points on Air India purchases
  • Complimentary Air India Maharaja Club membership
  • Priority Pass for 600+ international lounges
  • 8 complimentary domestic lounge visits per year
  • Up to 1,00,000 bonus Reward Points annually on milestone spends
  • 1% fuel surcharge waiver

Cons

  • Priority Pass lounge visits attract a usage fee of up to $27 per visit
  • Annual fee of Rs. 4,999
  • Reward Points converted to Air India Maharaja Points cannot be reversed
  • Minimum 5,000 Reward Points required for conversion to Maharaja Points, in multiples of 5,000

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Priority Pass lounge usage fee up to $27 per visit charged to card

Maharaja Points redemption for family/friends requires minimum 5 flight accrual activities

Maharaja Points once converted from Reward Points cannot be reversed

Fuel surcharge waiver capped at Rs. 250 per statement cycle

Key Benefits & Features

Complimentary Air India Maharaja Club membership; 1 Reward Point = 1 Air India Maharaja Point

10 Reward Points per Rs. 100 spent on Air India ticket purchases via Air India website, app, booking offices & call centers (effective 31st Mar 2025)

Balance Transfer on EMI from other bank credit cards at lower interest rate

Emergency card replacement anywhere in the world with 24x7 helpline

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

Fuel surcharge waiver only applicable on fuel purchases between Rs. 500 and Rs. 4,000

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Air India SBI Signature Card

The Air India SBI Signature Card is a co-branded travel credit card designed for frequent Air India flyers and international travelers seeking premium rewards and airline benefits. Cardholders receive a welcome gift of 20,000 Reward Points upon payment of the joining fee, along with complimentary membership in the Air India Maharaja Club. Every year, members also enjoy an anniversary gift of 5,000 Reward Points, making the card rewarding from day one. The card earns 4 Reward Points for every Rs. 100 spent, with up to 1,00,000 bonus Reward Points available annually based on retail spending milestones. For Air India ticket purchases made through the airline's official website, app, booking offices, or call centers, cardholders earn 10 Reward Points per Rs. 100 spent. All Reward Points can be seamlessly converted into Air India Maharaja Points at a 1:1 ratio, enabling members to redeem miles for flights. Beyond airline rewards, the card offers access to over 600 international airport lounges through a complimentary Priority Pass Program, along with 8 complimentary domestic lounge visits per year via the Visa Lounge Access Program. Additional features include a 1% fuel surcharge waiver, complimentary lost card liability cover of Rs. 1 lakh, global acceptance at over 2 million Visa outlets, emergency card replacement, and the flexibility of Flexipay EMI conversions. The joining and annual fee is Rs. 4,999.

Expert Review

Our Verdict

Premium Air India co-brand card with up to 10X points on Air India spends and complimentary lounge access.

Frequently Asked QuestionsAbout Air India SBI Signature Card

FEESWhat is the joining fee and annual fee for the Air India SBI Signature Card?
The Air India SBI Signature Card has a one-time joining fee of ₹4,999 plus applicable taxes. The renewal fee is also ₹4,999 per annum from the second year onwards. Add-on cards are available at no additional annual fee. As a welcome benefit, you receive 20,000 Reward Points on payment of the joining fee, and an anniversary gift of 5,000 Reward Points every year on renewal.
BENEFITSWhat welcome benefits do I get with the Air India SBI Signature Card?
Upon payment of your joining fee, you receive 20,000 Reward Points as a welcome gift, credited within 15 days from the date of annual fee payment posting. You also enjoy complimentary membership of the Air India Maharaja Club. Additionally, every year on card renewal, you receive an anniversary gift of 5,000 Reward Points, making it a rewarding card right from the start.
REWARDSHow many Reward Points do I earn on everyday and Air India purchases?
With the Air India SBI Signature Card, you earn 4 Reward Points for every ₹100 spent on regular purchases. For Air India ticket purchases made through the Air India website, mobile app, booking offices, or call centers, you earn up to 10 Reward Points per ₹100 spent (effective 31st March 2025). This elevated earning applies to super saver tickets purchased for yourself and others, with the bonus points credited within 60 days of transaction posting.
REWARDSWhat are the milestone bonus Reward Points I can earn annually?
You can earn up to 1,00,000 bonus Reward Points annually based on your retail spend milestones. The structure is: earn 20,000 bonus points (cumulative: 20,000) on spending ₹5 lakh, an additional 30,000 bonus points (cumulative: 50,000) on reaching ₹10 lakh, and a further 50,000 bonus points (cumulative: 1,00,000) on reaching ₹20 lakh in annual retail spends. This makes the card highly rewarding for high spenders.
USAGEHow do I convert my Reward Points to Air India Maharaja Points?
You can convert your SBI Card Reward Points into Air India Maharaja Points at a 1:1 ratio — 1 Reward Point equals 1 Air India Maharaja Point. Conversion requests are processed within 7 working days. Please note that a minimum of 5,000 Reward Points is required for conversion, and conversion must be done in multiples of 5,000. Once converted, Reward Points cannot be reversed back to SBI Card Reward Points.
BENEFITSWhat airport lounge access benefits does the Air India SBI Signature Card offer?
The Air India SBI Signature Card offers two types of lounge access. First, you get a complimentary Priority Pass Program membership, granting access to over 600 international airport lounges worldwide, though a usage fee of up to $27 per visit will be charged to your card. Second, you get 8 complimentary domestic lounge visits per year (maximum 2 visits per quarter) through the Visa Lounge Access Program at major airports across India.
BENEFITSIs there a fuel surcharge waiver on the Air India SBI Signature Card?
Yes, the Air India SBI Signature Card offers a 1% fuel surcharge waiver across all petrol pumps in India. To avail this benefit, the fuel purchase must be between ₹500 and ₹4,000 per transaction. The maximum surcharge waiver is capped at ₹250 per statement cycle. Applicable taxes are extra wherever applicable. This benefit helps frequent drivers save on fuel costs every month.
BENEFITSWhat is the lost card liability cover offered by the Air India SBI Signature Card?
The Air India SBI Signature Card comes with a complimentary lost card liability cover of ₹1 lakh. This cover is applicable for a window period starting 48 hours prior to reporting the loss of the card up to 7 days after the loss has been reported. In case your card is lost in India, you should immediately call the SBI Card helpline at Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290.
INTERNATIONALCan I use the Air India SBI Signature Card internationally?
Yes, the Air India SBI Signature Card is globally accepted at over 2 million Visa outlets worldwide. You can also withdraw cash from over 1 million Visa ATMs globally. The card is chip and pin enabled for enhanced security against counterfeiting and skimming. In case of card loss or emergency while travelling abroad, a 24x7 helpline is available for emergency card replacement. Please refer to the Visa helpline numbers on the SBI Card website.
BENEFITSWhat is the Air India Maharaja Club and how do I get membership?
The Air India Maharaja Club is Air India's frequent flyer loyalty program. Upon getting the Air India SBI Signature Card, you receive a complimentary Maharaja Club membership. If you already have an existing Maharaja Club membership, it can be linked to your card. To redeem Maharaja Points for yourself, you must have at least one flight accrual activity since enrollment. To redeem for family and friends, at least five flight accrual activities are required from the date of enrollment.
APPLICATIONHow do I apply for the Air India SBI Signature Card?
You can apply for the Air India SBI Signature Card online through the SBI Card website at sbicard.com by clicking the 'Apply Now' button. You can also track your application status online after applying. To complete your application, you will typically need to provide identity proof, address proof, and income documents. For further assistance, you can call the SBI Card helpline at Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290.
BENEFITSCan I get add-on cards for my family members?
Yes, you can apply for add-on cards for your spouse, parents, children, or siblings above the age of 18 years. The best part is that add-on cards are available at no additional annual fee. Add-on cardholders can also make Air India purchases and earn Reward Points, which accumulate in the primary cardholder's account. This makes it easy for families to pool points faster and enjoy greater travel rewards.
USAGEWhat is the Flexipay feature on the Air India SBI Signature Card?
Flexipay allows you to convert any purchase worth ₹2,500 or more into Easy Monthly Instalments (EMIs). To use this feature, log on to sbicard.com within 30 days of making the purchase and select the Flexipay option. This helps you manage large expenses by spreading the payment over several months, making it easier on your monthly budget while still enjoying your purchases immediately.
USAGECan I transfer balances from other credit cards to the Air India SBI Signature Card?
Yes, the Air India SBI Signature Card offers a Balance Transfer on EMI facility. You can transfer the outstanding balance from other banks' credit cards to your Air India SBI Signature Card to take advantage of a lower rate of interest and repay in convenient EMIs. To book a Balance Transfer on EMI, log on to sbicard.com with your user ID and password. This can help you save money on high-interest credit card dues.
USAGECan I use the Air India SBI Signature Card to pay utility bills?
Yes, the Air India SBI Signature Card comes with an Easy Bill Pay facility that allows you to pay your electricity, insurance, telephone, and other utility bills conveniently. This ensures you never miss a due date for your utility payments. You can set up automatic bill payments through this facility. Additionally, you can also book railway tickets online via irctc.co.in using your card at payment gateways that accept Visa cards.

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