By: OurMoneyGuide || Last updated on: June 6, 2024

Air India SBI Signature Card is a co-branded travel card from SBI Card, in partnership with Air India. You earn Air India Miles, which you can redeem at Air India for flights, upgrades and more. You also get complimentary access to airport lounges, and other benefits.

Pros & 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 the Air India SBI Signature Card

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

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. For more details on converting reward points to Air India Miles, please click here.

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-
– ticket bookings for others on the Air India website/ app, or at airline counters/ call centre
– ticket bookings for yourself at airline counters/ call centre

Please look at table below to understand this better-


Air India website/ Air India app (online)Air India booking offices/ Air India call centre
Ticket booking for yourself30 reward points worth 30 Air India Miles, on every ₹100 spent10 reward points worth 10 Air India Miles, on every ₹100 spent
Ticket booking for others10 reward points worth 10 Air India Miles, on every ₹100 spent10 reward points worth 10 Air India Miles, on every ₹100 spent

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 on all other card purchases.

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) on all card spends, based on achieving certain annual card spend targets (milestone benefits)

– You get 20000 reward points worth 20000 Air India Miles, at ₹5 lakhs annual card spend
– You get additional 30000 reward points worth 30000 Air India Miles, at ₹10 lakhs annual card spend
– You get additional 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. Please look at table below to understand this better-


BenefitTotal benefit
At ₹5 lakh yearly card spend20,000 reward points worth 20,000 Air India Miles20,000 reward points worth 20,000 Air India Miles – 4% benefit
At ₹10 lakh yearly card spendAdditional 30,000 reward points worth 30,000 Air India MilesTotal 50,000 reward points worth 50,000 Air India Miles – 5% benefit
At ₹20 lakh yearly card spendAdditional 50,000 reward points worth 50,000 Air India MilesTotal 1 lakh reward points worth 1 lakh Air India Miles – 5% benefit

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).

This program is brought to you in partnership with VISA.

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

While you get free Priority Pass membership, usage of lounges is chargeable on a per visit basis (USD 35 per visit). For list of available airport lounges and latest charges, please visit the Priority Pass website.

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 purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per month.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years.

For more details, and important terms and conditions, please click here.


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
– Complimentary membership to the Air India Frequent Flyer Program – Flying Returns.
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

Application Process

Step-by-step guide

Online application processThe 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