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Air India SBI Signature Card

by A Trivedi & K V Sharma on

The Bottom Line

Air India SBI Signature Card
Great for Air India Frequent Flyers

30 Reward Points / ₹100 spend on Air India tickets on website & mobile application and 4 Reward points / ₹100 on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-7.3%)^ (-2.9%)^ (-0.7%)^ 1.6% 2.3%
Est. Monthly Reward (₹) (365) (290) (150) 775 2,255
All-India Rewards Rank* 344 342 341 46 11
Within Bank Rank* 67 67 68 18 4
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Air India SBI Signature Credit Card offers an effective reward of 9% on Air India flights and 1.20% on all other spending.

Overall, we estimate you can earn a net reward yield of 1.6-2.3% if you spend more than ₹50,000 a month with this card. Frequent flyers with Air India could achieve a higher net reward yield.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Air India SBI Signature Card
Card Type Reward
Reward Features 30 Reward Points / ₹100 spend on Air India tickets on website and mobile application

4 Reward points/ ₹100 on all other spends

Milestone Rewards 1 Lacs Bonus points on annual spends of ₹5 – 20 Lacs
Other Rewards – Complimentary Membership of Air India Frequent Flyer Program

– Complimentary Priority Pass Membership

– 2 Complimentary Domestic Airport Lounge Visits / Qtr

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Convert reward points into Air India Air Miles,
1 RP= 1 AirMile


Fees & Charges

Card Air India SBI Signature Card
Joining Fee ₹4,999 + Taxes
Annual Fee ₹4,999 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
Nil
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 42.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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