Our Money Guide

Brief Summary

Our Rating
4.0 / 5

Our View :

You get upto 20% discount on domestic hotel and flight bookings, and upto 10% discount on international flight bookings.

The annual fee is ₹499. 1st year annual fee is compensated by welcome offers, while the annual fee from second year onwards is waived off , if you spend ₹1 lakh or more in the previous year. So this is a one of the best entry level travel cards available.

on SBI Card website

SBI Card PULSE

Special Benefits

20% discount on domestic flights & hotels

Other Important Benefits

10% discount on international flights

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome Offer worth ₹8,250

Renewal fee waiver at ₹1 lakh annual card spend

Air India SBI Signature Card

Pros and Cons of Air India SBI Signature Card

Pros

  • Good card for frequent fliers of Air India
  • Travel benefits like complimentary lounge access

Cons

  • You are restricted to fly Air India only, to earn rewards
  • You need to consider other cards, to earn rewards on other spends like shopping, fuel, bill payments etc.

Features & Benefits of Air India SBI Signature Card

30% reward (in terms of Air India Miles) on Air India website/app – only on ticket booking for yourself

You get 30 reward points worth 30 Air India Miles, on every ₹100 you spend in this category.

1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

10% reward (in terms of Air India Miles) on all other Air India spends

10 reward points worth 10 Air India Miles, on every ₹100 you spend in this category. This category includes all ticket bookings at airline counters/ call centre, and also ticket bookings for others on the Air India website/ app.

1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

4% reward (in terms of Air India Miles) on all other card spends

You get 4 reward points worth 4 Air India Miles, on every ₹100 you spend in this category.

1 reward point = 1 Air India Mile. Air India Miles can be used for Air India flight bookings and upgrades.

Upto 5% additional benefit (in terms of Air India Miles) – milestone benefits

– You get 20000 reward points worth 20000 Air India Miles, at ₹5 lakhs annual card spend
– You get 30000 reward points worth 30000 Air India Miles, at ₹10 lakhs annual card spend
– You get 50000 reward points worth 50000 Air India Miles, at ₹20 lakhs annual card spend

Hence you can get 1 lakh Air India Miles, at ₹20 lakhs annual card spend – 5% reward.

Free visits to airport lounges in India – 2 per quarter

You get complimentary domestic airport lounge access, 8 times per year (maximum 2 times per quarter).

Free Priority Pass membership worth USD 99, to access airport lounges abroad

Usage of lounges is chargeable, on a per visit basis.

This program is brought to you by Priority Pass, one of the leading programs in the world.

Fuel surcharge waiver upto ₹250 per month

You get 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹4000 only. And only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per month.

SBI Card customer care

3 lifetime-free add-on cards

Air India SBI Signature Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹4999Welcome offer
– You get 20,000 reward points worth 20,000 Air India Miles
Renewal fee from 2nd year onwards₹4999Renewal fee offer
– You get 5000 reward points worth 5000 Air India Miles

Late payment fee

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Applying & Tracking Application Status

Step-by-step guide

Online application process The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section. 

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application
Apply Now

on SBI Card website

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