SBI Air India Signature Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
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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 / other channels (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 as a welcome gift on payment of the joining/membership fee. Includes complimentary membership to Air India's frequent flyer program (Flying Returns / Maharaja Club).
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).
Fees & Charges
Eligibility
- Min Credit Score: 750
- 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 Advances
- Does not earn Reward Points.
Fees, charges and interest
- Does not earn Reward Points.
Frequently Asked Questions
3 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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