SBI Card
Air India SBI Signature Credit Card
Your rating
Community rating
Joining Fee
₹4,999
Annual Fee
₹4,999
Reward Rate
—
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
4
Points / ₹100
₹1
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- POINTS only redeemable on Air India and Star Alliance partner network
- No miles on fuel, EMI, cash advances, utility payments, government transactions
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Pros & Cons
- One of the best Air India-focused travel cards
- Excellent rewards on Air India bookings
- Strong milestone rewards for high spenders
- 1:1 Maharaja Points conversion is valuable for frequent flyers
- Good domestic lounge access benefits
- Welcome bonus offsets a large part of joining fee
- Strong value for loyal Air India travelers
- High annual fee of ₹4,999 + GST
- No complimentary international lounge visits despite Priority Pass membership
- Best rewards limited mainly to Air India ecosystem
- Forex markup is high for international spends
- Reward structure can feel complex for beginners
- No annual fee waiver option
- Reward exclusions apply on rent, wallet loads, EMI & fuel spends
Who is this card for?
Frequent Air India travellers, especially those on domestic and international routes, who want to accelerate Flying Returns miles accumulation and redeem for Air India flights or upgrades.
Quick Links
Data last updated 24 Mar 2026