Air India SBI Signature Credit Card – Benefits, Fees & Eligibility

Air India SBI Signature Card

Introduction

The Air India SBI Signature Card is a premium travel credit card designed for frequent flyers of Air India, offering substantial benefits in terms of reward points and travel privileges. While it comes with an annual membership fee of ₹4,999 plus GST, it provides accelerated reward points on Air India spends, which are easily convertible into Air India Air Miles, along with complimentary lounge access benefits. As of the latest information, this credit card has been discontinued by SBI Card, and no new applications are being entertained.

Welcome Benefits

• Receive 20,000 Reward points as a welcome gift upon payment of the joining fee. These points will be credited within 15 days from the date of annual fee payment posting.
• Enjoy complimentary membership to the Air India Frequent Flyer program, Flying Returns.
• Existing Flying Returns loyalty numbers can be linked to the card.
• To redeem miles for self, a member requires at least one flight accrual activity registered from the date of enrollment as a Flying Returns member.
• To redeem miles for family and friends, a member needs at least five flight accrual activities registered from the date of enrollment.

Fees

• Joining Fee (one-time): ₹4,999 + Taxes / GST
• Renewal Fee (per annum): ₹4,999 + Taxes / GST (from the second year onwards)
• Add-on Fee (per annum): Nil
• Rewards Redemption Fee: ₹99 + GST. However, no redemption fee is charged specifically for converting reward points into Air India Air Miles.
• Foreign Currency Markup: 3.5% of the amount transacted.
• Interest Rates: 3.75% Per Month (45% Annually).
• Fuel Surcharge Waiver: 1% fuel surcharge waiver is available on fuel transactions between ₹500 and ₹4,000 across all petrol pumps. The maximum waiver is ₹250 per statement cycle, with applicable taxes charged extra.
• Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.
• International Lounge Access Usage Fee: A usage fee of up to $27 will be charged per visit to a Priority Pass member lounge.
• All taxes would be charged as applicable on all fees, interest, and charges mentioned above.

Rewards

• General Spends: Earn 4 Reward points for every ₹100 spent on retail purchases.
• Air India Spends: Earn 10 Reward Points for every ₹100 spent on Air India ticket purchases made through the Air India website, mobile app, booking offices, and call centers using your Primary or Add-on card(s). This benefit is effective from March 31, 2025, and includes super saver tickets purchased for yourself and others.
• Anniversary Gift: Receive an anniversary gift of 5,000 Reward points every year.
• Annual Bonus Reward Points: Get up to 1,00,000 bonus Reward points annually based on your retail spending milestones:
  • On annual retail spend of ₹5 lakh: 20,000 bonus Reward points (Cumulative Bonus: 20,000)
  • On annual retail spend of ₹10 lakh: 30,000 bonus Reward points (Cumulative Bonus: 50,000)
  • On annual retail spend of ₹20 lakh: 50,000 bonus Reward points (Cumulative Bonus: 1,00,000)
• Reward points earned on Air India ticket purchases will be credited within 60 days from the date of transaction posting.

Rewards Redemption Guide

• Reward points can be converted into Air India Air Miles. The conversion rate is 1 Reward point = 1 Air India Air mile.
• A minimum of 10,000 Reward points are required for conversion into Air Miles, and further conversions must be in multiples of 5,000 points.
• Reward points, once converted into Air India Air Miles, cannot be reversed.
• The conversion of Reward points to Air India Air Miles is processed within 7 working days from the date of receiving the request.
• You can also pay your card outstanding with Reward Points.

Rewards (Travel)

• International Lounge Access: Enjoy complimentary membership to the Priority Pass Program, providing access to over 600 international airport lounges. Note that a usage fee of up to $27 will be charged per visit to a Priority Pass member lounge.
• Domestic Lounge Access: Benefit from the complimentary Visa Lounge Access Program in India, offering 8 complimentary visits per year to major domestic airports (maximum 2 visits per quarter).

Rewards (Insurance)

• Lost Card Liability Cover: Enjoy a complimentary lost card liability cover of ₹1 lakh. This cover is applicable from 48 hours prior to reporting the loss of the card until 7 days post the reporting of the loss.

Important Product Details

• Global Acceptance: The Air India SBI Signature Card is accepted at over 2 million Visa outlets worldwide and over 2,85,000 outlets in India.
• Cash Access: Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and 10,000 State Bank of India ATMs across 100 cities in India.
• Add-on Cards: Empower your family members (spouse, parents, children, or siblings above 18 years of age) by applying for add-on cards at no extra annual fee.
• Enhanced Security: The card is chip and PIN enabled, offering enhanced security against counterfeiting and skimming.
• Easy Bill Pay Facility: Never miss due dates for utility bills (electricity, insurance, telephone, etc.) with the Easy Bill Pay facility.
• Flexipay: Convert any purchase of ₹2,500 or more into Easy Monthly Instalments by logging on to sbicard.com within 30 days of the purchase.
• Balance Transfer on EMI: Save money by transferring outstanding balances from other bank credit cards to your Air India SBI Signature Card, availing a lower interest rate and paying back in EMIs. This can be booked on sbicard.com.
• Railway Ticket Booking: Book railway tickets online via irctc.co.in and make payments using your SBI Card at Visa-accepting payment gateways. Transactions are governed by IRCTC terms and conditions.
• Emergency Card Replacement: Get your card replaced anywhere in the world with 24x7 helpline assistance. For lost cards in India, call 39 02 02 02 (prefix local STD code) or 1860 180 1290.
• Discontinuation: The Air India SBI Signature Card has been discontinued by SBI Card, and new applications are no longer being accepted.

Other Details

• Payment Settlement Order: All payments made for a cardholder account will be settled in a specific order as outlined on the SBI Card website.
• Cheques payable outside clearing zones are not accepted; only local cheques or drafts payable in Delhi are accepted.
• The value proposition of this co-brand product may involve joint funding by SBI Card and Air India, with fee and revenue sharing between the two parties.
• Continued use of the card implies acceptance of any amendments to its terms.
• For assistance, call the SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290.