Air India SBI Signature Card Review 2026 — Fees, Rewards & Eligibility
Issuer: State Bank of India (SBI)
Network: Visa | Tier: Premium
The Air India SBI Signature Card is a premium co-branded travel card designed to maximize frequent flyer rewards. It accelerates Air India mile accumulation on flight bookings and seamlessly converts everyday spending into free air travel.
Why Choose the Air India SBI Signature Card?
The Air India SBI Signature Card is a Premium-tier Visa credit card issued by State Bank of India (SBI), rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent domestic and international flyers loyal to Air India and Star Alliance network airlines who want to rapidly accumulate miles for ticket upgrades and free flights.. With a reward rate of 4 Reward points for every Rs. 100 spent and an annual fee of 4,999 + taxes, it ranks among the popular premium co-branded travel cards in India in 2026.
New cardholders are welcomed with 20,000 reward points on payment of joining fee, which adds immediate value in the first year and helps recover the 4,999 + taxes joining fee.
Air India SBI Signature Card Fees & Charges
| Annual Fee | 4,999 + taxes |
|---|---|
| Joining Fee | 4,999 + taxes |
| Interest Rate | 7% |
| Foreign Markup | 2%+GST |
| Fuel Surcharge Waiver | Fuel Surcharge Waiver Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India. Maximum waiver of Rs. 250 per statement cycle, per credit card account |
Air India SBI Signature Card Rewards & Benefits
| Reward Rate | 4 Reward points for every Rs. 100 spent |
|---|---|
| Welcome Bonus | 20,000 reward points on payment of joining fee |
| Lounge Access | Lounge Benefits Complimentary membership to Priority Pass Program worth $99 Compliementary Visa lounge Access Program at major domestic airports in India. Lounge Benefits 8 Complimentary domestic lounge visits per year (max. 2 per quarter). For details, Click here Post complimentary visit to Priority Pass member lounge, a usage fee of up to $27 will be charged. |
| Best For | Frequent domestic and international flyers loyal to Air India and Star Alliance network airlines who want to rapidly accumulate miles for ticket upgrades and free flights. |
Key Highlights of the Air India SBI Signature Card
- Up to 30 reward points per ₹100 spent on Air India ticket bookings
- 20
- 000 Air India Flying Returns miles as a joining welcome bonus
- Lucrative 1:1 conversion ratio of reward points directly into Air India miles
- 8 complimentary domestic airport lounge visits annually
- Up to 50
- 000 bonus milestone miles awarded on hitting annual spend targets
Air India SBI Signature Card Eligibility Criteria
- Minimum income ₹10 lakh per annum
- Good CIBIL score (750+)
- Age 21-65 years
Minimum Income Required: annual income of ₹7.2 Lakhs to ₹9 Lakhs
Advantages of the Air India SBI Signature Card
- Earns up to 30 reward points per ₹100 spent on Air India ticket bookings
- Generous welcome bonus of 20
- 000 Air India Flying Returns miles upon joining
- High 1:1 conversion ratio of reward points directly into Air India miles
- Comprehensive domestic airport lounge access across India
- High spend milestone bonuses offering up to 50
- 000 extra miles annually
Drawbacks of the Air India SBI Signature Card
- Steep annual and renewal fee of ₹4
- 999 + GST
- Rewards are highly centered around Air India
- offering lower value for non-flyers
- High baseline foreign currency markup fee of 3.5%
- Lacks complimentary international airport lounge access vouchers
- Excludes points on routine categories like fuel
- rent
- and EMI transactions
Air India SBI Signature Card — Frequently Asked Questions
What is the annual fee of the Air India SBI Signature Card?
The Air India SBI Signature Card has an annual fee of 4,999 + taxes and a joining fee of 4,999 + taxes. New cardholders receive 20,000 reward points on payment of joining fee as a welcome benefit, which helps offset the joining cost.
Does the Air India SBI Signature Card offer airport lounge access?
Yes — the Air India SBI Signature Card offers Lounge Benefits Complimentary membership to Priority Pass Program worth $99 Compliementary Visa lounge Access Program at major domestic airports in India. Lounge Benefits 8 Complimentary domestic lounge visits per year (max. 2 per quarter). For details, Click here Post complimentary visit to Priority Pass member lounge, a usage fee of up to $27 will be charged..
Who is eligible for the Air India SBI Signature Card?
The minimum income requirement is annual income of ₹7.2 Lakhs to ₹9 Lakhs. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Air India SBI Signature Card?
The Air India SBI Signature Card earns 4 Reward points for every Rs. 100 spent. It is best suited for Frequent domestic and international flyers loyal to Air India and Star Alliance network airlines who want to rapidly accumulate miles for ticket upgrades and free flights..
Expert Rating: 4.5/5