CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI Air India Signature Credit Card

41
Ranked #46 of 170 in credit
creditVisaPremium-TravelLegacy · discontinued

SBI's premium Air India co-branded card offering strong lounge access and a generous welcome bonus, but recently devalued when the accelerated Air India ticket reward rate was cut from 15X to 5X points in March 2025 — a meaningful reduction for its core travel use case.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value28/100 · weight 71%
≈ 1.39% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks45/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,500 + 18% GST
= ₹1,770 total
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Not fully detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
travelmiles7.50%(30 mi @ ₹0.25)—Up to 30 Reward Points per Rs 100 spent on Air India tickets booked through airindia.com
online_travel_bookingpoints5.00%(5 pts @ ₹1.00)—5 pts/Rs100 on Air India tickets (cut from 15X, effective 31 Mar 2025)
all_spendsmiles1.00%(4 mi @ ₹0.25)—4 Reward Points for every Rs 100 spent on other purchases

Welcome offer

20,000 Reward Points as welcome gift

Milestone benefits

Pros

  • Strong 20,000-point welcome bonus
  • solid combined lounge access (8 domestic + 4 international)
  • direct Air India ticket rewards despite the 2025 cut

Cons

  • DEVALUATION: Air India ticket purchase reward rate CUT from 15X to 5X points effective 31 March 2025 (per official SBI Card notice) — a significant reduction for the card's core use case

What's inside

More benefits

  • Air India Frequent Flyer membership

    Complimentary membership to Air India Flying Returns/Frequent Flyer program

    one-time. Card issuance

Insurance cover

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Eligibility

text
Age 21-65; income ~Rs9L+ p.a. indicative

Small print

Fuel surcharge:Standard 1% waiver range