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SBI Card · Visa Signature · हिन्दी

Air India SBI Signature Credit Card: full review

The Air India SBI Signature is the best card in India for frequent Air India flyers. The 10X earning on Air India bookings and direct 1:1 Air Mile conversion make it highly rewarding for airline loyalists. Outside Air India the value is modest. This is a specialist card, not an everyday one.

Apply now ↗Annual fee: ₹4,999 + taxes
Last updated: October 2026 · Current terms verified
SBI CARD
VISA
)))
AIR INDIA
ASHOK KUMAR
12/28
₹4,999 + taxesAnnual fee
10 reward points per ₹100 on Air India spends (1 RP = 1 Air India Air Mile); 4 RP on others (1%)Reward structure
8 domestic visits/year (2 per quarter)Lounge access

Key benefits of the Air India SBI Signature Credit Card

10 reward points per ₹100 on Air India ticket bookings (website, app, offices, call centers)4 reward points per ₹100 on all other eligible spends1 RP = 1 Air India Flying Returns Air Mile, direct instant conversion20,000 welcome reward points (= 20,000 Air Miles) on payment of joining feeComplimentary Air India Flying Returns membershipUp to 1,00,000 bonus reward points annually on milestone spends8 complimentary domestic airport lounge visits/year1% fuel surcharge waiver (₹500–₹4,000, max ₹250/month)
Apply now ↗ Min. income: ₹50,000/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Best card for earning Air India miles, 10X on Air India bookings
✓ 1:1 conversion to Air Miles, straightforward and valuable
✓ 20,000 welcome Air Miles offsets first-year fee for Air India loyalists
✓ Milestone rewards up to 1 lakh points annually
Cons
✗ Value completely tied to Air India, poor for non-Air India travellers
✗ 3.5% forex, unsuitable for general international spending
✗ Only 8 domestic lounges, no international lounge access
✗ Low 1% on non-Air India spends
Quick facts
Issuer SBI Card
Network Visa Signature
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹4,999 + taxes
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹4,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceSBI Card's published card terms and official card page · Last updated October 2026
Recent updates

Corrected how we count travel: the higher rate only applies to Air India bookings, but our maths applied it to all travel spend. This now earns the card's normal 1%; the higher rate is still listed in the card's rewards.

Travel rate in our maths2.5% on all travel1%
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Frequently asked questions
The annual fee for Air India SBI Signature Credit Card is ₹4,999 + taxes. The joining fee is ₹4,999.
The main benefits of the Air India SBI Signature Credit Card are: 10 reward points per ₹100 on Air India ticket bookings (website, app, offices, call centers); 4 reward points per ₹100 on all other eligible spends; 1 RP = 1 Air India Flying Returns Air Mile, direct instant conversion; 20,000 welcome reward points (= 20,000 Air Miles) on payment of joining fee; Complimentary Air India Flying Returns membership; Up to 1,00,000 bonus reward points annually on milestone spends; 8 complimentary domestic airport lounge visits/year; 1% fuel surcharge waiver (₹500–₹4,000, max ₹250/month).
10 reward points per ₹100 on Air India spends (1 RP = 1 Air India Air Mile); 4 RP on others (1%)
Air India SBI Signature Credit Card is best for Frequent Air India flyers wanting to earn Flying Returns miles on all spends. The Air India SBI Signature is the best card in India for frequent Air India flyers. The 10X earning on Air India bookings and direct 1:1 Air Mile conversion make it highly rewarding for airline loyalists. Outside Air India the value is modest. This is a specialist card, not an everyday one.
The minimum income requirement for Air India SBI Signature Credit Card is ₹50,000/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, Air India SBI Signature Credit Card offers 8 domestic visits/year (2 per quarter).
Air India SBI Signature Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
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Air India SBI Signature₹4,999 + taxes
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