State Bank of India SBI Air India Signature Credit Card Review
Travel card with lounge access
The State Bank of India SBI Air India Signature has a ₹4,999 annual fee + GST. It earns 2% back on regular spends and up to 5% on Air India website / mobile app / booking offices / call centres, with 8 domestic airport lounge visits a year. Best for: frequent, high-spending air india flyers collecting miles — our verdict: recommended.
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The SBI Air India Signature is a co-branded airline card with a healthy 2% base earn, 10X on Air India fares converting 1:1 to miles, and stacking milestones up to 1,00,000 points at Rs. 20 lakh spend. The Rs. 4,999 fee with no waiver and a 3.5% forex markup mean it pays off mainly for committed, high-spending Air India flyers.
Travel card with lounge access
The Bottom Line
The SBI Air India Signature is built for air india loyalist and high-spend traveller. With a ₹4,999 annual fee, it offers 5% rewards on air india website / mobile app / booking offices / call centres (travel) and 20,000 bonus points. It makes the most sense if your spending matches air india loyalist and high-spend traveller.
It earns a base reward rate of 2% and stacks best when your spending lines up with Air India loyalist, High-spend traveller.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealA frequent Air India flyer who books fares on Air India channels for 10 points per Rs. 100 and converts Reward Points 1:1 into Maharaja Club miles.
Someone spending Rs. 5-20 lakh a year who unlocks the large stacking milestones worth up to 1,00,000 points.
Probably not for
SkipTravellers loyal to other airlines miss the core benefit and pay the Rs. 4,999 fee that has no waiver path.
With a 3.5% forex markup and no free international lounge visits, it is weak for international use.
Is It Worth It For You?
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Reward Rates
SBI Air India Signature offers 2% basic reward rate.
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Welcome Offer
20,000 Reward Points credited within 15 days of Joining Fee payment posting, plus complimentary Air India Maharaja Club / Flying Returns membership.
Milestone Benefits
20,000 bonus Reward Points on reaching INR 5,00,000 annual spend.
Additional 30,000 bonus Reward Points on reaching INR 10,00,000 annual spend (50,000 cumulative).
Additional 50,000 bonus Reward Points on reaching INR 20,00,000 annual spend (1,00,000 cumulative - the maximum annual bonus).
Anniversary gift of 5,000 Reward Points every year (card-anniversary benefit, not spend-gated).
Fees & Charges
Eligibility
- Age 21+; good credit history; 1 reward point = 1 Air India Air Mile; note: new applications for Air India SBI co-branded cards are no longer accepted.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawals / Cash Advances
- Does not earn Reward Points.
Balance Transfers
- Does not earn Reward Points (per official combined T&C).
Flexipay / Merchant EMI conversions
- Does not earn Reward Points (per official combined T&C).
Fees, charges, interest, financial charges and disputed transactions
- Does not earn Reward Points.
E-wallet loading (MCC 6540 & 6541)
- E-wallet loading (MCC 6540 & 6541)
Rent payments (MCC 6513)
- Rent payments (MCC 6513)
Government transactions (MCC 9399 and 9311)
- Government transactions (MCC 9399 and 9311)
Frequently Asked Questions
6 data-backed answers from our card database
Ready to apply?
₹4,999 annual fee. Apply on the State Bank of India website.
Apply on State Bank of India →We may earn a commission if you apply through this link. It never affects our ratings.
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