INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: VisaTravel & Aviation CardsLast Verified: 2026-09-28

Air India SBI Signature Card

एयर इंडिया एसबीआई सिग्नेचर कार्ड

Super-premium aviation card offering 20,000 welcome Maharaja points, 30 points per ₹100 on Air India flights, and up to 1,00,000 annual milestone bonus points.

Annual Fee₹4,999 + GST (Renewal: ₹4,999 + GST)

Reward Rate30 Reward Points per ₹100 spent on Air India tickets booked via airindia.com or Air India mobile app. 4 Reward Points per ₹100 on all other retail transactions.

Airport Lounge8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass membership with access to 1,000+ international airport lounges.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Air India SBI Signature Card is a super-premium travel card designed for frequent international business travelers, senior management, and loyal Air India patrons who want massive accelerated air mile accrual (up to 30 points per ₹100 on tickets) and up to 1,00,000 annual milestone bonus points.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹4,999 + GST (Renewal: ₹4,999 + GST)

Fee Waiver: No spend-based waiver; compensated with 5,000 bonus Air India Reward Points credited as an annual anniversary gift.

🎁Welcome Benefit

20,000 bonus Reward Points (convertible to 20,000 Air India Maharaja Points) upon payment of joining fee.

⚡Reward Points Structure

30 Reward Points per ₹100 spent on Air India tickets booked via airindia.com or Air India mobile app. 4 Reward Points per ₹100 on all other retail transactions.

Redemption Value: 1 Reward Point = 1 Air India Flying Returns (Maharaja Point). 20,000 points provide significant coverage for domestic/international award flights.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass membership with access to 1,000+ international airport lounges.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹1 Crore. Lost Card Liability cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 1,00,000 bonus Reward Points annually: 20,000 points on ₹5L spend, 20,000 on ₹10L, 25,000 on ₹15L, and 35,000 on ₹20L annual spends.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee of ₹4,999 cannot be waived through retail spend. Priority Pass lounge visits outside India carry standard visit charges for cardholder and guests unless specifically sponsored. Forex markup is 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month interest.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).

Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryPoints valid for 24 months prior to conversion into Flying Returns program.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel, utilities, rent, wallet reload, and government services.

Eligibility Criteria

High-income salaried executives and affluent business owners aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹12,00,000 per annum (Salaried) / ₹15,00,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 750+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Air India SBI Signature Card.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available through SBI Wealth Hubs and branch relationship desks.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Proof of Identity & Residence (Passport, Aadhaar)

3. Last 3 months' salary slips with Form 16 OR Last 2 years' ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Air India SBI Signature Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Air India SBI Signature Card into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Air India SBI Signature Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 Reward Point = 1 Air India Flying Returns (Maharaja Point). 20,000 points provide significant coverage for domestic/international award flights. Please note: Points valid for 24 months prior to conversion into Flying Returns program.

What is the interest-free grace period on Air India SBI Signature Card and how does it work?

The interest-free period on Air India SBI Signature Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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