Air India SBI Signature Credit Card
The Air India SBI Signature Credit Card is the premium co-branded card for Air India Flying Returns members.
Premium Privileges Fit Score
88/100
Joining Fee
₹4,999
Annual Fee
₹4,999
Reward Rate (%)
1 – 7.5
4 pts/₹100 · ₹1/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
15/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Air India SBI Signature Credit Card Benefits
Air India SBI Signature Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 7.5%
Earn rate
4
Points / ₹100
₹1
Per point
Air India SBI Signature Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Air India SBI Signature Credit Card 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
Annual Fee: ₹4,999
This card carries a fixed annual fee of ₹4,999. At ~1% estimated return, spending approximately ₹41,658/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Air India SBI Signature Credit Card 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 14 Aug 2026
Calculate your exact earnings with Air India SBI Signature Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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