The Air India SBI Signature Credit Card is a premium co-branded travel card designed for frequent flyers, especially those who prefer flying with Air India. This card offers significant rewards on Air India ticket purchases, complimentary lounge access, and various travel-related perks. Below, we provide a detailed review of its features and benefits.
Overview
| Feature | Details |
|---|---|
| Card Type | Travel Credit Card |
| Reward Rate | Up to 30 Reward Points per ₹100 spent on Air India tickets |
| Reward Value | 1 Reward Point = 1 Air Mile |
| Annual Fee | ₹4,999 + GST |
| Unique Selling Points | Complimentary Air India Silver Membership, lounge access, milestone rewards |
| Rating (out of 5) | 4.3 |
Table of Contents
Welcome Benefits for Air India SBI Signature Credit Card
| Welcome Benefit | Details |
|---|---|
| Bonus Reward Points | 20,000 Reward Points upon payment of the annual fee |
| Additional Benefits | Complimentary Air India Frequent Flyer program (Flying Returns) membership |
Charges for Air India SBI Signature Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹4,999 + GST |
| Renewal Fee | ₹4,999 + GST |
| Finance Charges | 3.5% per month (42% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
Membership Benefits of Air India SBI Signature Credit Card
This card provides a range of premium travel-related benefits:
- Travel Benefits: Complimentary domestic lounge access (8 visits per year) and Priority Pass membership (for international lounges, visits are chargeable).
- Insurance Coverage: Lost card liability cover of up to ₹1 lakh, applicable from 48 hours prior to reporting loss till 7 days post-reporting.
- Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions ranging from ₹500 to ₹4,000, with a maximum waiver of ₹250 per billing cycle.
Rewards from Air India SBI Signature Credit Card
| Spend Category | Reward Rate |
|---|---|
| Air India Website/App | 30 Reward Points per ₹100 spent on self bookings |
| Other Air India Bookings | 10 Reward Points per ₹100 spent on other bookings |
| Retail Spends | 4 Reward Points per ₹100 spent |
| Reward Value | 1 Reward Point = 1 Air Mile |
| Rewards Expire in | 3 years |
Milestone Benefits of Air India SBI Signature Credit Card
| Spending Milestone | Reward Earned |
|---|---|
| ₹5 lakh annual spend | 20,000 Reward Points |
| ₹10 lakh annual spend | 30,000 Reward Points |
| ₹20 lakh annual spend | 50,000 Reward Points |
Redemption of Air India SBI Signature Credit Card Points
Reward points earned with this card can be converted into Air India Air Miles:
- Air Miles: 1 Reward Point = 1 Air Mile
- Minimum Conversion: A minimum of 10,000 Reward Points is required for conversion.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Oberoi Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber, Ola |
| Airline | Air India |
Airport Lounge Access with Air India SBI Signature Credit Card
| Access Type | Details |
|---|---|
| Domestic Lounges | 8 complimentary visits per year |
| International Lounges | Complimentary Priority Pass membership (visits chargeable) |
| Add-on Cardholder Benefits | Same as primary cardholder |
Airport Transfers with Air India SBI Signature Credit Card
This card does not offer specific airport transfer benefits.
Forex Markup Fee for Air India SBI Signature Credit Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
Eligibility for Air India SBI Signature Credit Card
To apply for the Air India SBI Signature Credit Card, applicants must meet the following criteria:
- Age: 18 years and above
- Income: Stable income required
- Documents Required: Aadhar Card, PAN Card, proof of income (latest bank statements/salary slips, ITR), and residence proof.
Card Review: Air India SBI Signature Credit Card
The Air India SBI Signature Credit Card is a great choice for frequent Air India flyers. With its high reward rate on Air India spends, complimentary lounge access, and significant milestone rewards, this card provides excellent value for those who travel frequently via Air India.
Rating: 4.3
- Overall Rating: 4.3
- Benefits: 4.5
- Fees: 4.0
- Customer Service: 4.2
Pros and Cons of Air India SBI Signature Credit Card
Advantages:
- High reward rate on Air India ticket bookings
- Complimentary lounge access
- Attractive milestone benefits
Drawbacks:
- High annual fee
- No complimentary international lounge visits with Priority Pass
Similar Cards to Air India SBI Signature Card
| Feature | Air India SBI Signature Credit Card | HDFC Diners Club Black Credit Card | Axis Bank Vistara Infinite Credit Card | Citi PremierMiles Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹4,999 + GST | ₹10,000 + GST | ₹10,000 + GST | ₹3,000 + GST |
| Lounge Access | 8 domestic visits per year | Unlimited domestic & international | Unlimited domestic & international | 10 domestic, 2 international |
| Reward Rate | 30 RP per ₹100 on Air India spends | Up to 10x on select categories | 6 CV points per ₹200 spent | Up to 10 Miles per ₹100 spent |
| Reward Value | 1 point = 1 Air Mile | 1 point = 1 Air Mile | 1 point = ₹0.50 | 1 point = ₹0.45 |
| Special Benefits | Air India flight rewards, lounge access | Travel, dining, golf benefits | Vistara flight rewards, dining discounts | PremierMiles for all travel |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Travel Credit Cards in India
- Top 10 Best Premium Credit Cards in India
- How to Maximize Credit Card Rewards
- SBI Credit Cards Overview
For more detailed information about SBI credit cards and other financial products, you can visit the official SBI Card website.
FAQ
Q: What is the annual fee for the Air India SBI Signature Credit Card?
A: The annual fee is ₹4,999 + GST, with the same amount charged for renewal each year.
Q: How can I earn reward points with the Air India SBI Signature Credit Card?
A: You can earn up to 30 Reward Points per ₹100 spent on Air India ticket bookings made through the Air India website or app.
Q: How can I redeem the reward points earned with the Air India SBI Signature Credit Card? A: Reward points earned with the Air India SBI Signature Credit Card can be redeemed for Air India Air Miles. You can use these Air Miles to book flights with Air India through the official website or partner platforms. A minimum of 10,000 Reward Points is required for conversion.
Q: Does the Air India SBI Signature Credit Card offer any additional benefits for frequent flyers? A: Yes, the card offers complimentary Air India Frequent Flyer Program (Flying Returns) Silver Membership, which includes benefits like priority check-in, excess baggage allowance, and access to Air India lounges at select airports.
Q: What milestone benefits are offered by the Air India SBI Signature Credit Card? A: The card provides substantial milestone rewards: 20,000 Reward Points upon spending ₹5 lakh annually, 30,000 Reward Points upon spending ₹10 lakh annually, and 50,000 Reward Points upon spending ₹20 lakh annually.
Q: Is the Air India SBI Signature Credit Card worth it for frequent travelers? A: Yes, the card is especially valuable for frequent Air India travelers, offering high reward rates on Air India bookings, complimentary lounge access, and significant milestone benefits that can lead to free flights and upgrades.
