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Features of SBI Air India Signature Credit Card

  • Welcome Benefits: Welcome Reward Points: Receive 20,000 bonus reward points as a welcome gift upon payment of the annual fee, credited within 15 days of fee posting.
    Complimentary Flying Returns Membership: Get free membership to Air India's Frequent Flyer Program, allowing you to link your existing loyalty number to the card.
  • Reward Points:
    Accelerated Points on Air India Spends: Earn 30 Reward Points per ₹100 spent on Air India tickets booked for yourself via Air India's website or mobile app (until March 31, 2025).
    Revised Points Structure: From March 31, 2025, earn 10 Reward Points per ₹100 spent on all Air India ticket purchases.
    Regular Spends: Earn 4 Reward Points for every ₹100 spent on other eligible transactions.
    Milestone Rewards: Earn up to 1,00,000 bonus Reward Points annually based on high spends (e.g., 1 lakh points on ₹20 lakh spends).
    Anniversary Gift: Receive 5,000 Reward Points annually as an anniversary benefit.
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    • Reward Points Redemption: Conversion to Air India Miles: Reward points can be converted to Air India Air Miles at a 1:1 ratio (1 Reward Point = 1 Air India Air Mile) with no redemption fee.
      Redemption Requirements: For self-redemption, at least one flight accrual activity is required since Flying Returns enrollment. For family/friends, five flight activities are needed.
      Validity: Once converted to Maharaja Points, miles are valid for 24 months from the date of crediting.
    • Lounge Access:
      Domestic Lounge Access: Enjoy 8 complimentary visits per year to Visa lounges in India (maximum 2 visits per quarter).
      International Lounge Access: Complimentary membership to the Priority Pass Program, but a usage fee of up to $27 per visit applies.
    • Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions between ₹500 and ₹4,000 at all petrol pumps in India, up to a maximum of ₹250 per statement cycle per card.
    • Insurance Cover: Lost Card Liability Cover: Complimentary coverage of ₹1 lakh, applicable from 48 hours before reporting the loss to 7 days after.
      Discontinued Insurance: As of July 26, 2025, the complimentary air accident insurance (₹50 lakh) and rail accident insurance (₹10 lakh) will be discontinued.
    • Global Acceptance: Worldwide Access: Accepted at over 2 million Visa outlets globally, including 2,85,000 outlets in India. Withdraw cash from over 1 million Visa ATMs worldwide.
    • Add-On Cards: Family Benefits: Apply for add-on cards at no charge for family members (spouse, parents, children, or siblings) above 18 years. Spends on add-on cards count toward milestone rewards.
    • Easy Bill Pay Facility: Utility Bill Payments: Set standing instructions for electricity, nsurance, telephone, and other utility bills to ensure timely payments.
    • Flexipay: EMI Conversion: Convert purchases of ₹2,500 or more into easy monthly installments by logging into sbicard.com within 30 days of purchase.
    • Balance Transfer: Transfer outstanding balances from other bank credit cards to the SBI Air India Signature Card for lower interest rates and EMI options.
    • Fees and Charges: Joining Fee: ₹4,999 + GST (one-time).
      Annual Fee: ₹4,999 + GST (from the second year).
      Finance Charges: Up to 3.5% per month (42% per annum).
    • Eligibility Criteria: Age: Minimum 21 years.
      Income: Stable income with good credit history.
      Bank Account: Must have a savings or current account with an Indian bank.
    • Application Process: Online: Visit sbicard.com, fill out the application form, and submit an OTP sent to your mobile. Alternatively, use platforms like MyMoneyMantra for paperless approval and doorstep document collection.
      Offline: Apply through SBI branches or authorized partners like BankBazaar or CreditMantri.
      Contact: Call 8885545255 for assistance.
    • Additional Notes: Discontinuation Notice: SBI Card is not accepting new applications for Air India SBI co-branded credit cards, but existing cardholders can continue using the card with the listed benefits.
      Customer Support: For queries, contact SBI Card at 8885545255 (prefix local STD code) or use the SBI Card Mobile App.
      Valuation: Air India points are valued at approximately ₹0.50 each, making the welcome bonus worth around ₹10,000.
      Challenges: Some users report issues with reward point fulfillment on Air India spends, requiring escalation to nodal officers or social media complaints for resolution.
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Benefits of SBI Air India Signature Credit Card

    • Welcome and Anniversary Benefits:
      • Welcome Gift: Receive 20,000 reward points upon paying the annual fee within 15 days of card issuance. Points are credited within 15 days of fee posting and are convertible to Air India Air Miles, offering significant value for flight bookings.
      • Anniversary Gift: Earn additional reward points every card anniversary, rewarding long-term usage and loyalty.
      • Complimentary Flying Returns Membership: Enjoy free enrollment in Air India’s Frequent Flyer Program – Flying Returns, with benefits like priority check-in, extra baggage allowance, and access to select Air India lounges.
    • Air India Ticket Purchases: Earn 10 Reward Points per ₹100 on Air India tickets booked via Air India’s website, mobile app, booking offices, or call center from March 31, 2025. (Earlier: 30 points for self, 10 for others).
    • Other Spends: Earn 10 Reward Points per ₹100 on dining, groceries, departmental stores, movies, and SuperSaver booklet purchases.
    • Birthday Benefit: Earn 20 Reward Points per ₹100 spent on your birthday.
    • Retail Purchases: Earn 4 Reward Points per ₹100 spent on all other eligible retail purchases (excluding fuel).
    • Reward Redemption: Points convert to Air India Air Miles at a 1:1 ratio. Minimum 10,000 points required, redeemable in multiples of 5,000. Conversion takes up to 7 working days and is irreversible once processed.
    • Point Valuation: Approximate value of 1 Air India Flying Return Point is ₹0.50, delivering excellent value to frequent travelers and high spenders.
    • Reward Points Program: Earn 30 Reward Points per ₹100 on Air India tickets (until March 31, 2025), then 10 points per ₹100 thereafter. All other retail spends earn 4 points per ₹100.
    • Milestone Rewards: Earn up to 1,00,000 bonus points annually: 20,000 Bonus Reward Points on ₹5 lakh annual spend. 30,000 Bonus Reward Points on ₹10 lakh annual spend.
    • 50,000 Bonus Reward Points on ₹20 lakh annual spend. Points are convertible to Air India Air Miles at a 1:1 ratio. With milestone and regular spends combined, enjoy up to 9% reward rate on ₹20 lakh annual spend.
    • Complimentary Flying Returns Membership: Free enrollment in Air India’s Frequent Flyer Program, including benefits like priority check-in and excess baggage allowance.
    • Railway Ticket Delivery: Book railway tickets online and have them delivered to your address.
    • Lounge Access: 8 complimentary domestic VISA lounge visits per year. Priority Pass Membership: Access to over 600 international lounges. Visa Lounge Access: Additional complimentary domestic lounge access at major airports,
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹4,000. Maximum ₹250 per month, saving up to ₹3,000 annually. Applies at all petrol pumps in India.
    • Travel and Insurance Benefits:
    • Lost Card Liability Cover: Up to ₹1 lakh from 48 hours prior to loss report till 7 days after
    • Global Card Replacement: 24/7 worldwide emergency support
    • Note: Complimentary air accident (₹50 lakh) and rail accident (₹10 lakh) insurance will be discontinued from July 26, 2025
    • Flexipay: Convert purchases of ₹2,500 or more into EMIs (3–24 months) via sbicard.com within 30 days of transaction.
    • Balance Transfer: Transfer outstanding balances from other credit cards to this card at a lower interest rate with EMI repayment options.
    • Easy Bill Pay: Automate bill payments (electricity, insurance, telephone) to avoid due date misses.
    • Add-On Cards: Free for family members aged 18 and above. Share the credit limit and benefits with spouse, parents, children, or siblings.
    • Global Acceptance: Accepted at over 2 million Visa outlets worldwide and 285,000 in India. Access 1 million+ Visa ATMs globally.
    • Security Features: Chip and PIN technology for secure payments. Lost card fraud liability coverage up to ₹1 lakh. 24/7 customer support.
    • Foreign Transaction Fee: 3.50% markup on international transactions – standard across most cards but notable for frequent travelers.
    • Important Considerations: Joining and Renewal Fee: ₹4,999 annually Card is discontinued for new applications – benefits apply only to existing users
    • Reward Redemption Restriction: Requires minimum one flight activity for self, and five for family redemptions. No complimentary international lounge visits (₹27 per visit applies)
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How to Apply for SBI Air India Signature Credit Card

  • Step 1: Check Eligibility
    Age: 21–70 years.
    Income: Stable income (typically ₹50,000+/month for salaried; ₹6L+/year for self-employed).
    Credit Score: Preferably 750+.
    Nationality: Resident Indian or NRI with Indian bank account.
  • Step 2: Gather Documents
    Identity: PAN (mandatory), Aadhaar, Passport.
    Address: Utility bill, Aadhaar, Passport.
    Income: Salary slips, ITR, bank statements.
    Photograph: Recent passport-sized photo.
  • Step 3: Choose Application Mode
    Online: Visit www.sbicard.com (when applications were active).
    Offline: Visit SBI branch (when applications were active).
    Note: New applications are currently discontinued.
  • Step 4: Submit Application
    Submit form/documents, receive reference number for tracking.
  • Step 5: Verification
    Telephonic/field verification for documents, address, income.
  • Step 6: Approval
    Approval within 7–14 days, review terms (credit limit, fees).
  • Step 7: Card Delivery
    Card delivered to registered address, activate via SBI Card app/website.

Eligibility Criteria for SBI Air India Signature Credit Card

  • Age:
    • Primary Cardholder: 21–70 years.
    • Add-On Cardholders: 18+ years.
  • Income:
    • Salaried: ₹50,000+/month (indicative).
    • Self-Employed: ₹6L+/year (ITR).
  • Nationality: Resident Indian or NRI with Indian bank account.
  • Credit Score: Preferably 750+, no recent defaults.
  • Employment:
    • Salaried: Stable job with reputed firm.
    • Self-Employed: 1–2 years business continuity.
  • Bank Account: Must have a savings or current account with an Indian bank.
  • Documentation: Valid ID proof, address proof, income proof, and recent passport-size photograph.
  • Permanent Address: Proof of permanent Indian residential address is required.
  • Existing Credit Card History: Having a good repayment track record on existing credit cards improves eligibility.
  • Mobile Number & Email ID: Active mobile number and email ID are mandatory for verification and communication.
  • Note: New applications are currently discontinued; criteria apply to existing cardholders.
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Documents Required for SBI Air India Signature Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Driving License
    • Ration Card
  • Income Proof:
    • Salaried: 1–3 months' salary slips, Form 16, 3 months' bank statement.
    • Self-employed: 1–2 years' ITR, 3–6 months' bank statement.
  • Photograph: Recent passport-sized color photograph (offline applications).
  • NRIs: Passport, visa, overseas address proof, Indian address proof.

Factors Affecting SBI Air India Signature Credit Card Approval

  • Credit Score: Preferably 750+; lower scores (700–750) considered with high income.
  • Income Level: ₹50,000+/month (salaried), ₹6L+/year (self-employed).
  • Employment Status: Stable job or 1–2 years business continuity.
  • Debt-to-Income Ratio: Below 40% preferred; high DTI risks rejection.
  • Credit History: 1–2 years clean history, no defaults or late payments.
  • Documentation: Complete, accurate documents for faster processing.
  • Residential Stability: Permanent Indian address; NRIs need overseas proof.
  • Existing SBI Relationship: May improve approval odds.
  • Verification: Prompt response to telephonic/field verification.
  • Recent Inquiries: Avoid multiple applications within 3–6 months.
  • Note: New applications are currently discontinued; these factors applied when applications were active.
  • Age Bracket: Applicants aged between 21 and 65 years are eligible; younger applicants must show consistent income.
  • Credit Utilization Ratio: Keeping credit usage below 30% of the available limit positively impacts approval chances.

Frequently Asked Questions (FAQs)

What is the SBI Air India Signature Credit Card?
The SBI Air India Signature Credit Card is a premium travel credit card co-branded with Air India, offering accelerated reward points on Air India ticket purchases, domestic lounge access, Priority Pass membership, and other travel benefits. It has a joining and annual fee of ₹4,999 + GST and is designed for frequent flyers, particularly Air India loyalists.
What are the key benefits of the card?
Welcome Gift: 20,000 reward points upon paying the joining fee.
Reward Points: 30 points per ₹100 on Air India tickets (until March 31, 2025), then 10 points per ₹100. 4 points per ₹100 on other spends.
Lounge Access: 8 domestic visits/year; Priority Pass membership ($27 fee per international visit).
Milestone Rewards: Up to 1,00,000 bonus points annually on high spends.
Complimentary Flying Returns membership.
Can new applicants apply for the card?
No, SBI Card has discontinued new applications for the Air India SBI Signature Credit Card. Only existing cardholders can continue using it or apply for add-on cards for family members.
How do I redeem reward points?
Points can be converted to Air India Air Miles at a 1:1 ratio via sbicard.com or customer care (minimum 10,000 points). For self-redemption, at least one flight accrual activity is required in your Flying Returns account. For family/friends, five flight activities are needed. Converted points are valid for 24 months.
What is the joining and annual fee?
Joining Fee: ₹4,999 + GST (one-time).
Annual Fee: ₹4,999 + GST (renewable annually, no spend-based waiver).
How many lounge visits are complimentary?
Domestic: 8 complimentary visits per year to VISA lounges in India (maximum 2 per quarter).
International: Complimentary Priority Pass membership, but each lounge visit incurs a usage fee of up to $27.
Does the card offer a fuel surcharge waiver?
Yes, 1% waiver on fuel transactions between ₹500 and ₹4,000 at all petrol pumps in India, up to a maximum of ₹250 per statement cycle.
Can I get an add-on card for family members?
Yes, existing cardholders can apply for add-on cards for their spouse, parents, children, or siblings above 18 years. Add-on cardholders earn reward points at the same rate as the primary cardholder.
What insurance benefits does the card offer?
The card provides ₹1 lakh lost card liability cover. However, as of July 26, 2025, the complimentary air accident insurance (₹50 lakh) and rail accident insurance (₹10 lakh) will be discontinued.
Why was the card discontinued for new applications?
SBI Card has not officially disclosed the reason, but possible factors include Air India's merger with Vistara and changes to the Flying Returns program. The reduction in reward rates (from 30 to 10 points per ₹100 on Air India tickets) may have also reduced the card's appeal.

List of SBI Air India Signature Credit Card Telangana Branches

  • Adilabad
  • Bhadrachalam
  • Bhongir
  • Bhoopalpally
  • Gadwal
  • Hanamkonda (Warangal)
  • Jagtial
  • Kamareddy
  • Karimnagar
  • Khammam
  • Kodad
  • Kothagudem
  • LB Nagar
  • Mahabubabad
  • Mancherial
  • Medak
  • Miryalaguda
  • Nalgonda
  • Nirmal
  • Nizamabad