SBI Card
Air India SBI Signature Credit Card
Annual Fee
₹5,899₹4,999 + GSTBase Reward
4% miles
Foreign Markup
3.5% of the amount transacted
Welcome Benefits
20,000 Maharaja Points once you have paid the joining fee
Product Highlights
- 20,000 Maharaja Points welcome benefit
- Complimentary membership of Air India Frequent Flyer program
- Anniversary gift of 5,000 Reward points every year
Category Rewards
travel
10 Maharaja Points/₹100 on Air India spends
10X
Specialty
4 Maharaja Points/₹100 for other spends
4X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Air India
10X on Air India tickets
Reward Calculator
Profitable in Year 1 only
Welcome bonus covers Y1. From Y2: ₹-3,799/year. Cancel before renewal or up your spend.
₹13K
across all your buckets
8.4K
Reward Points
₹2.1K
via standard · ₹0.25/pt
Effective rate
1.35%
Annual fee
₹5,899
Year 1 net
+₹1,201
incl. welcome
Year 2+ net
₹-3,799
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
20,000 bonus reward points
30,000 bonus reward points
50,000 bonus reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10 Maharaja Points for every ₹100 spent on Air India and 4 Maharaja Points for every ₹100 spent on other eligible spends.
- 1 Reward point = 1 AirMile
Benefits & Features
Domestic: 8 complimentary visits per year (2 visits per quarter) International: N/A (N/A) Complimentary membership of the Air India Frequent Flyer program - Flying Returns.
Pros & Cons
Pros
- Earn 10 Maharaja Points/₹100 on Air India spends
- 8 complimentary domestic lounge visits per year
- Insurance cover against lost card
Cons
- High annual fee of ₹4,999 + GST
- No complimentary international lounge access
Additional Info
This card has been discontinued and no new applications are being accepted.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
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