Air India SBI Signature Credit Card

SBI Cards offers two co-branded credit cards with Air India – the Air India SBI Signature Credit Card and the Air India SBI Platinum Credit Card. The Signature variant is more premium and comes with a higher annual membership fee of INR 4,999, but it provides better benefits in terms of reward points and add-on privileges.

With the Air India SBI Signature Credit Card, you can earn 4 reward points per INR 100 spent. Additionally, you earn 100 bonus reward points on Air India expenditures (details mentioned below). Being a travel credit card, it also offers complimentary Priority Pass lounge access membership and the option of two complimentary domestic airport lounge visits every quarter. To learn more about this credit card in detail, please read on.

(Note: Due to the absence of specific details about reward rates and other features in the provided text, I have provided a general overview of the Air India SBI Signature Credit Card. For precise information, it is recommended to refer to the official SBI Cards website or contact SBI Cards customer support.)

• Joining Fee- Rs. 4,999 (plus applicable taxes)
• Renewal Fee- Rs. 4,999 (plus applicable taxes)
• Best Suited For- Travel
• Reward Type- Reward Points
• Welcome Benefits- You will get 20,000 reward points in the form of a welcome benefit.

Rewards and Benefits

• Movie & Dining- N/A
• Rewards Rate- 30 RP for every Rs. 100 spent on tickets booked for self and 10 RPs for every Rs. 100 spent on tickets booked for others through airindia.in and 10 RPs for every Rs. 100 spent on tickets booked for self and others through Air India Booking office or call centers
• Reward Redemption- The reward points that the cardholders earn can be converted into Air India Air Miles. 1 Reward point = 1 AirMile
• Travel- Reward Points convertable into Air India Air Miles, accelerated reward points on Air India spends, complimentary domestic and international airport lounge access
• Golf- N/A
• Domestic Lounge Access- Complimentary visits to domestic lounges, up to 8 times a year.
• International Lounge Access- Complimentary Priority Pass membership (visits chargable)
• Insurance Benefits- Insurance cover worth Rs. 1 Lakhs against the lost card.
• Zero Liability Protection- Zero liability of credit cardholder against fraudulent transaction on the card post reporting the loss of card to the bank

Fees & Charges

• Spend based Waiver- N/A
• Rewards Redemption Fee- Rs. 99 (plus applicable taxes)
• Foreign Currency Markup- 3.5% of the amount transacted
• Interest Rates- 3.5% per month (or 42% annually)
• Fuel Surcharge- Fuel surcharge waiver of 1% on fuel transactions between Rs. 500 and Rs. 4,000.
• Cash Advance Charge- 2.5% or Rs. 500 (whichever is higher)
• Add-on Card Fee- Nil

Product Details

• You will get a welcome benefit of 20,000 Reward Points once you have paid the joining fee of the credit card.
• Complimentary membership of the Air India Frequent Flyer program- Flying Returns.
• Anniversary gift of 5,000 Reward points every year
• Up to 1,00,000 bonus reward points annually on achieving the pre-defined spends.
• For every Rs. 100 spent on retail purchases, you will get 4 reward points.
• 30 reward points for every Rs. 100 spent on booking Air India tickets for self through airindia.in or Air India mobile app.
• 10 reward points for every Rs. 100 spent on booking Air India tickets for self or others through Air India booking office or Air India call centers.
• Complimentary Priority Pass membership (lounge visits chargeable).
• Complimentary access to domestic airport lounges through the Visa lounge access program.

Air India SBI Signature Credit Card Welcome Benefits:

• 20,000 bonus reward points once you have paid the joining fee. The bonus reward points will be credited within 15 days of payment of the membership fee.
• Complimentary membership of Air India Frequent Flyer program- Flying Returns

Air India SBI Signature Credit Card Rewards:

• 4 reward points for every Rs. 100 spent with the card.
• 30 reward points for every Rs. 100 spent on Air India ticket bookings for self through airindia.in.
• 10 reward points for every Rs. 100 spent on Air India ticket bookings for others through airindia.in.
• 10 reward points for every Rs. 100 spent on Air India ticket bookings for self or others through Air India booking offices or Air India call centers.

Rewards Redemption:

• The reward points earned can be converted into Air India Air Miles.
• 1 reward point = 1 Air Mile.
• A minimum of 10,000 reward points are required for conversion into Air Miles.

Milestone Benefits:

• You get 5,000 bonus reward points every year as an anniversary gift.
• Up to 1 lakh bonus reward points every year on achieving the stipulated spends based milestones as under-

Air India SBI Signature Credit Card Travel Benefits:

• Complimentary Priority Pass membership (lounge visits chargeable under the Priority Pass program)
• 8 complimentary domestic lounge access every year under the Visa lounge access program.

Insurance Benefits:

You get a complimentary insurance cover worth Rs. 1 lakh against the loss of card, applicable from 48 hours prior to 7 days post reporting the loss of card to the bank.

Conclusion

The Air India SBI Card is an SBI Card co-branded credit card that falls into the mid-tier travel credit card category with Air India. If you frequently travel on domestic flights, it could be a preferred card for you because not only do you earn instant reward points on Air India expenses, which are convertible into Air India Air Miles, but you also receive complimentary domestic airport lounge visits every year (2 per quarter). However, if you are seeking entry-level travel benefits, you may want to consider the Air India SBI Platinum Credit Card.