Priority Pass
State Bank of India
Air India Signature
The Air India SBI Signature Credit Card is a premium co-branded card engineered specifically for frequent travelers who frequently fly with Air India. It offers a structured way to earn high reward points on flights and other retail purchases, which can be easily converted into Air Miles to offset travel costs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver
N/A
Lounge Access
2 domestic lounge access per quarter + Complimentary Priority Pass Membership
Forex Markup
3.5%
Effective Yield
4% – 10%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Air India SBI Signature Credit Card is a premium co-branded card engineered specifically for frequent travelers who frequently fly with Air India. It offers a structured way to earn high reward points on flights and other retail purchases, which can be easily converted into Air Miles to offset travel costs. Please note that SBI Card is currently not accepting new applications for this co-branded card, meaning the current features are only applicable for existing cardholders or information purposes.
This card delivers value through its high reward structure of 10 points per Rs. 100 spent on Air India ticket bookings, alongside 4 points per Rs. 100 spent on other categories. Existing cardholders enjoy extensive travel benefits, including a Priority Pass membership, domestic airport lounge access, and milestone achievements that can cumulative earn up to 1,00,000 bonus points annually.
Ultimately, this card is best suited for high-spending Air India loyalists. If you spend significantly on retail categories and travel frequently, the points and anniversary bonuses help justify the card's annual fee of Rs. 4,999. However, for those seeking lower annual fees, the Air India SBI Platinum card serves as an alternative.
What We Like
We like the highly rewarding welcome gift of 20,000 bonus reward points and the complimentary Air India Flying Returns membership. The milestone rewards structure is exceptionally generous, offering up to 1,00,000 bonus reward points on high annual spends. Additionally, the seamless 1:1 conversion of reward points directly into Air India Air Miles offers great travel utility.
Pros
- ✓Earn a welcome gift of 20,000 bonus reward points and membership to the Air India Flying Returns program.
- ✓Get accelerated rewards of 10 points per Rs. 100 spent on Air India tickets booked through their official channels.
- ✓Earn up to 1,00,000 cumulative bonus reward points annually through retail milestone spends.
- ✓Convert your reward points to Air India Air Miles at a 1:1 ratio.
- ✓Enjoy access to over 600 global lounges with a complimentary Priority Pass membership and 8 complimentary domestic VISA lounge visits in India annually.
Cons
- ✗High annual and renewal fees of Rs. 4,999.
- ✗SBI Card is currently not accepting new applications for this co-branded credit card.
- ✗No direct cashback benefits or cash return options are offered.
Get This Card If
- ✓You are a frequent flyer who regularly books flights directly through Air India's website, app, booking offices, or call centers.
- ✓You are a high spender who can comfortably reach the annual milestone spend thresholds of up to Rs. 20 lakh to maximize your bonus points.
- ✓You want a travel-focused card that provides both domestic lounge access and international Priority Pass membership benefits.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Air India Direct (App/Web) | 10 Reward Points (RP) per ₹100 | 10.00% - 15.00% | No Upper Cap on base earning |
| Everyday Retail Spends | 4 RP per ₹100 | 4.00% - 6.00% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹5 Lakh | Bonus Points20,000 pts | ₹20,000 (Travel Value) | Earn 20,000 bonus RP upon hitting ₹5 Lakhs annual spend. |
| ₹10 Lakh | Bonus Points30,000 pts | ₹30,000 (Travel Value) | Earn an additional 30,000 RP (Total 50,000 bonus points). |
| ₹20 Lakh | Bonus Points50,000 pts | ₹50,000 (Travel Value) | Final milestone of 50,000 RP (Total 1,00,000 bonus points annually). |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Maharaja Club (Award Flights) | ₹1.00 - ₹1.50 per RP1:1 Ratio | Best Value (New 2026 rates start flights at just 1,500 points) |
| Statement Credit (Cash) | ₹0.25 per RP4:1 Ratio | Flexible (Exempt from the 60k/month cap; redeem any amount) |
What You Need to Know
Voucher Discontinuation
As of March 31, 2025, milestone flight vouchers are no longer issued.
Impact: The card has transitioned from 'free tickets' to a high-volume 'point machine'.
New Education/Wallet Fees
1% fee on Education (3rd party apps) and Wallet loads >₹1,000.
Impact: Increases costs for milestone hunters using these categories; use direct portals instead.
The 'Prospect' Rule
You cannot convert RP to Maharaja Points until you complete one flight activity with Air India.
Impact: New cardholders must take one paid flight before they can use their 20,000 welcome points.
Priority Pass Usage Fee
Membership is free, but every visit (domestic or intl) costs $27 via Priority Pass.
Impact: Users should only use the physical card for domestic lounges to keep it free.
Essential Fine Print
Reward Exclusions
Excluded Transactions: Fuel, Cash Advance, Balance Transfer, Encash, and Flexipay transactions do not earn reward points.
Welcome Offer
Welcome Reward Points
20,000 Reward Points credited as a welcome gift upon payment of the joining fee.
Air India Maharaja Club Membership
Complimentary membership of Air India Maharaja Club - Air India Maharaja Points.
Lounge Access
Priority PassDomestic Lounge Access
8 complimentary visits per year to domestic Visa lounges in India (maximum 2 visits per quarter).
International Lounge Program
While the card provides a complimentary Priority Pass membership (which would normally cost $99 annually), this membership only grants you the ability to enter the lounges in the Priority Pass network. It does not include free visits.
Travel Benefits
High Reward Rate on Air India Bookings
Earn 30 Reward Points for every ₹100 spent on Air India tickets booked through the Air India website or mobile app for self.
Bookings for Others
Earn 10 Reward Points for every ₹100 spent on Air India tickets booked for others.
Reward Point Conversion
Reward points can be converted into Air India Miles at a ratio of 1 Reward Point = 1 Air India Mile.
Milestone Benefits
Anniversary Gift
5,000 Reward Points credited annually upon payment of the renewal fee.
Spend Milestones
Earn up to 1,00,000 bonus reward points annually: 20,000 points on ₹5 Lakh spend, 30,000 points on ₹10 Lakh spend, and 50,000 points on ₹20 Lakh spend.
Additional Features
Flexipay
Convert transactions of ₹2,500 or more into easy monthly installments.
Worldwide Acceptance
Accepted at over 24 million outlets globally, including 3,25,000 outlets in India.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹4,999 |
| Annual / Renewal Fee | ₹4,999 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age Requirement
Primary cardholder must be between 18 and 70 years of age.
Occupation
Available to both salaried and self-employed individuals with a stable income.
Applications paused for Air India Signature
This card is not currently accepting new applications. Check back later.
Frequently Asked Questions
Annual fee
₹4,999
4% – 10% yield