एयर इंडिया एसबीआई सिग्नेचर कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
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.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
20,000 bonus Reward Points (convertible to 20,000 Air India Maharaja Points) upon payment of joining fee.
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.
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
High-income salaried executives and affluent business owners aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹12,00,000 per annum (Salaried) / ₹15,00,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Proof of Identity & Residence (Passport, Aadhaar) 3. Last 3 months' salary slips with Form 16 OR Last 2 years' ITR.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Air India SBI Signature Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.