Air India SBI Signature
Base Rate
1.6%
Forex Markup
3.5%
Joining Fee
₹4,999
Milestones
3
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹569
After ₹4,999 annual fee deduction
Base Rewards
₹5,568
Forex Net
+₹0
Milestones
₹0
Milestone Progress
Earn 20,000 bonus reward points (worth ₹8,000) on spending ₹5L
Spend ₹5L annually
Earn additional 30,000 bonus reward points (worth ₹12,000) on spending ₹10L (Cumulative ₹20,000)
Spend ₹10L annually
Earn additional 50,000 bonus reward points (worth ₹20,000) on spending ₹20L (Cumulative ₹40,000)
Spend ₹20L annually
📝 Detailed Review
The CardVault Verdict
The Air India SBI Signature Credit Card is a niche travel co-branded credit card. It is a goldmine for loyal Air India travelers, offering a massive 12.0% return on direct Air India ticket purchases and a 1:1 points-to-miles conversion. However, the high ₹4,999 non-waivable annual fee and standard SBI demerits like a high 3.5% forex markup make it less ideal for general cardholders.
Who Should Apply?
Apply if you fly Air India at least 3-4 times a year, purchase your tickets directly from Air Indias official channels, and can easily channel ₹5L+ spends to unlock milestone rewards.
Lounge Access
Unconditional Access
No minimum spend required to unlock lounge visits.
Visits / Year
8visits
Supported Networks
Additional Notes
8 complimentary domestic lounge visits per year (max 2/quarter). Priority Pass membership is complimentary, but visits are charged.
🔄 Transfer Partners
Air India Flying Returns
airline
⚖️ Pros & Cons
✓Pros
- •Outstanding 12.0% rewards value on booking self-travel tickets directly via Air India
- •Excellent welcome gift of 20,000 points (worth ₹8,000) and annual gift of 5,000 points
- •High milestone bonus rewards giving up to 1,00,000 points (worth ₹40,000) annually
- •1:1 direct point-to-mile transfer ratio into Air India Flying Returns Maharaja Points
✗Cons
- •High annual fee (₹4,999 + GST) with no option to waive it based on annual spending
- •International lounge visits via Priority Pass are fully charged at standard rates
- •High 3.5% forex markup fee
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.