Air India SBI Signature Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹4,999
₹4,999
1.99%
12 visits/yr
Contents
The SBI Bank Air India SBI Signature Credit Card is a travel-focused co-branded card designed for frequent Air India flyers. It offers a strong welcome reward, accelerated points on Air India bookings and attractive lounge access. Ideal for travellers who want to convert reward points into Air India Maharaja/Flying Returns miles.
Features of Air India SBI Signature Credit Card which makes it unique
Air India–Exclusive Reward Acceleration
Earn significantly higher reward points on Air India ticket bookings, which are converted into Flying Returns points for flights and upgrades.
Faster accumulation of airline loyalty points
Better than general travel cards for Air India flyers
High-Value Welcome & Renewal Bonuses
Receive a generous welcome bonus and renewal benefits in the form of Flying Returns points, helping offset the premium card fee.
Large upfront and recurring point value
More rewarding than cards with no renewal benefits
Rewards Structure of Air India SBI Signature Credit Card
Air India
acceleratedAir India ticket bookings made directly with Air India or via authorised channels
Accelerated airline rewards
Air India Reward Benefits: Reward points earned on Air India spends can be redeemed as Flying Returns points for flight bookings, upgrades, and other airline benefits.
Travel
baseSpends on airlines (other than Air India), hotels, and travel bookings
Standard travel rewards
Travel Spend Rewards: Travel spends earn base reward points and do not qualify for accelerated Air India rewards unless specified.
Lifestyle & Shopping
baseDining, grocery, online shopping, and retail spends
Everyday spend rewards
Retail Spend Rewards: All eligible retail transactions earn base reward points. Exclusions apply as per SBI Card terms.
Milestones of Air India SBI Signature Credit Card
Welcome Bonus
₹50,000 within 90 days of card activation : 20,000 Air India Flying Returns Points
Welcome Bonus Terms: The welcome bonus is credited after the eligible spend is completed within the first 90 days of card activation. Bonus points are awarded only once per card account.
Annual Spend Reward
₹5,00,000 in a card anniversary year : 10,000 Air India Flying Returns Points
Annual Spend Benefit: The annual spend milestone is calculated on eligible retail spends during the card anniversary year. Excluded transactions do not qualify.
Fees & Charges of Air India SBI Signature Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal fee charged annually; renewal benefit: 5,000 reward points (subject to SBI Card terms).
Fee Explanation Standard SBI Card fees and interest apply for overdue amounts and cash withdrawals as per the card T&C.
Detailed Explanation of Air India SBI Signature Credit Card Fees
Joining Fee: 4999 (one-time)
Welcome points provided on joining fee payment as per SBI Card terms
Joining Fee Details: The joining fee includes welcome benefits such as bonus reward points or airline-related benefits, as applicable.
Annual Fee: 4999 (yearly)
Renewal benefit: 5,000 reward points (subject to T&C)
Annual Fee & Waiver: The annual fee may be waived on meeting the specified annual spend threshold during the card anniversary year.
Cash Advance Fee: 2.5% (transaction)
Minimum charge may apply
Cash Withdrawal Charges: Interest on cash advances is charged from the transaction date until repayment. Reward points are not earned on cash advances.
Lounge Access Benefits with Air India SBI Signature Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Max 2 visits per quarter; domestic lounge visits subject to T&C
Domestic Lounge Access Terms: Complimentary access is available at participating domestic airport lounges in India. Access is subject to lounge capacity and validation at the point of entry.
international Lounges
silverVisits per year: 4
Guest access: No
Priority Pass available for international lounges; usage fee up to USD 27 may apply
International Lounge Access Terms: International lounge access is available at select overseas airports. Complimentary visits are limited per year, and guest visits are chargeable as per the lounge program rules.
Insurance Coverage with Air India SBI Signature Credit Card
travel insurance
₹50 LakhsAvailable for international trips booked using the credit card
International Travel Insurance: Travel insurance may include coverage for medical emergencies, trip delays, and baggage loss as per policy terms. Coverage duration and benefits depend on trip details.
Air Accident Insurance
₹1 CroreValid when the full airfare is booked using the credit card
Air Accident Insurance Terms: Coverage is applicable only if the air ticket is purchased using the card. Claims are subject to insurer documentation, exclusions, and verification.
Additional Features of Air India SBI Signature Credit Card
Contactless Payments
Tap and pay enabled
Available on compatible terminals for eligible transaction values
Contactless Usage Terms: Contactless transactions are processed without PIN up to limits prescribed by RBI. Security controls can be managed via SBI Card channels.
Easy EMI Facility
Convert eligible purchases into monthly EMIs
Applicable on transactions above the minimum eligible amount
EMI Conversion Terms: EMI conversions are subject to interest rates, processing fees, and merchant eligibility as defined by SBI Card.
Welcome Bonus with Air India SBI Signature Credit Card
Welcome Bonus: 20,000 reward points
Bonus Conditions: Welcome points provided on payment of joining fee within the stipulated period; cardholder also receives Flying Returns membership; points subject to SBI Card terms.
Application Process for Air India SBI Signature Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal
Fill Application Form: Enter personal, employment, and contact details Select the Air India SBI Signature Credit Card variant Provide PAN and basic KYC information
Upload KYC documents
Complete KYC Verification: Complete Video KYC or physical verification, as required Upload identity, address, and income documents (if requested)
Receive verification call
Application Review: SBI Card reviews your application and credit profile Additional verification may be conducted if needed
Card dispatched as per SBI Card processing timelines
Approval & Card Dispatch: On approval, the card is issued and dispatched Track card status via SMS, email, or SBI Card app
Required Documents for Air India SBI Signature Credit Card
ID Proof
All applicantsAccepted documents:
Identity Verification: A valid PAN card is mandatory for credit card application and credit assessment as per RBI guidelines.
Address Proof
All applicantsAccepted documents:
Address Verification: The address proof must be valid and clearly display the applicant’s current residential address.
Income Proof
Salaried / Self-Employed (as applicable)Accepted documents:
Income Assessment: Income documents are required to assess eligibility and credit limit. Document requirements may vary based on applicant profile.
Air India SBI Signature Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally (Visa)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Air India SBI Signature Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹600,000
Minimum annual income
Self-Employed Applicants
₹700,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar; subject to SBI Card eligibility checks.
How Approval Is Decided
- Satisfy SBI Card eligibility checks
- Indian resident with required KYC
- Credit score typically 700+ recommended
Pros of Air India SBI Signature Credit Card
- Excellent rewards on Air India bookingsAirline-Focused Rewards: Earn accelerated Flying Returns points on Air India ticket bookings, making it highly rewarding for frequent Air India flyers.
- Generous welcome and milestone bonusesMilestone Benefits: Welcome and annual spend milestones offer a large number of Flying Returns points, significantly boosting overall value for high spenders.
- Complimentary lounge accessAirport Lounge Benefits: Includes complimentary domestic and limited international airport lounge access, enhancing the travel experience.
Cons of Air India SBI Signature Credit Card
- High joining and annual feePremium Fee Structure: The card carries a high joining and renewal fee, which may not be justified for users who do not frequently fly with Air India.
- Rewards limited to Air India ecosystemLimited Airline Flexibility: Reward points are primarily useful within the Air India Flying Returns program, with no flexibility to transfer to multiple airlines.
- Not ideal for lifestyle or cashback seekersLimited Lifestyle Benefits: The card offers minimal dining, shopping, or entertainment discounts compared to lifestyle-focused credit cards.
Frequently Asked Questions about Air India SBI Signature Credit Card
What is the joining fee for this card?
The joining fee is ₹4,999 (plus applicable taxes). Welcome points are granted as per SBI Card terms.
The joining fee includes welcome benefits such as Flying Returns points. The fee amount and offers may vary based on ongoing promotions.Can the annual fee be waived?
Yes, the annual fee may be waived on meeting the specified annual spend threshold.
The fee waiver is applicable only if eligible retail spend criteria are met during the card anniversary year. Excluded transactions apply.How are reward points earned on this card?
You earn reward points on eligible retail spends, with accelerated rewards on Air India bookings.
Reward points are primarily designed to be redeemed as Air India Flying Returns points. Base rewards apply on other eligible spends.Can reward points be transferred to other airlines or hotels?
No, reward points are primarily linked to Air India Flying Returns.
This card does not support transfers to multiple airline or hotel loyalty programs. Rewards are best used within the Air India ecosystem.Add Your Review
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