SBI Air India Signature Credit Card Review

By | August 23, 2017
SBI Air India Signature Credit Card

Air India SBI Signature Credit Card Review

I’ve been using SBI signature credit card for quite some time and i’ve also earned Rs.18,000 as cashback using the milestone reward points accumulated on the card. I’m done with cashback redemption and stuff and its time to play with Points and Miles and so SBI Air India Signature credit card came into the picture. I’ve been stalking on the card for a while until it recently got devalued.

Even-though the existing benefits are lesser than what it had before, i’m sure even the current benefits are good enough for a high spender and no matter what even this will get devalued very soon.

SBI Air India Signature Credit Card Miles Earn Rate:

  •  4 Reward points for every ₹ 100 spent anywhere
  • 20 Reward points for every ₹ 100 spent on Air India tickets

Bonus Milestone Rewards:

  • 20,000 Reward Points on spending 5 Lakhs in a Year
  • 30,000 Reward Points on spending 10 Lakhs in a Year
  • 50,000 Reward Points on spending 20 Lakhs in a Year

Welcome/Renewal Bonus:

  • Welcome Bonus: 20,000 Reward Points
  • Renewal Bonus: 5,000 Reward Points

If you spend  20 Lakhs on this card, this is what you get:
= 20,000+30,000+50,000+80,000(Regular earn rate)+20,000(Welcome Bonus)
= 2,00,000 Reward points (WOW!!)

Simply put, you get 2L Air India Miles on 20L Spend. That’s 10% value back if you’re expert in redeeming the miles at value of Rs.1/mile or more.

You can possibly do it by redeeming it on International First class award tickets or by redeeming during the offer period where you can redeem miles like 40% lesser than usual requirement. You can expect such offers at-least twice a year.

Redemption Possibilities:

2 Lakh AirIndia Miles is good enough to redeem for 1 First Class ticket (or) 2 Economy Class tickets between India & USA. You can also try out redemption’s at Star Alliance Partner Airlines.

Membership Upgrades on Air India SBI Signature Card:

  • Silver Edge Club on crossing an annual spend of Rs. 5 lacs including a minimum spend of Rs. 2.5 lacs on Air India tickets
  • Golden Edge Club on crossing an annual spend of Rs. 10 lacs including a minimum spend of Rs. 5 lacs on Air India tickets.

Nope, no one gonna spend that much amount on AirIndia tickets and so this benefit goes useless for vast majority of the card holders.

Features of SBI Air India Signature Credit Card:

  • CardExpert Rating: 4/5
  • Reward rate: ~10% as AirIndia Miles
  • Complementary Airport lounge access: Yes, through Visa Signature Lounge Access program. Also you get complimentary membership for Priority Pass, but no free access allowed via Priority Pass card.
  • Fuel Surcharge Waiver: Enjoy 0% surcharge (Minimum transaction of INR 500. Maximum waiver of INR 250 per statement cycle)
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Features: Milestone Bonus
  • Personal Concierge Service: Global Concierge Assistance for all your travel & other needs. Its kind of virtual assistant service over phone.

SBI Air India Signature credit card is one of the best travel credit card in India at the moment. If you happen to spend a lot on your credit card, this must be in your wallet. There are no other cards in India giving this kind of reward points except the HDFC Diners cards that gives upto whooping 33% value back on selected partners for a limited time.

That being said, i’m trying to grab the card in coming days as it will help me in international travels. While Airmiles are good for International trips, for local travels i prefer American Express Platinum Travel Credit Card which gives good amount of Indigo vouchers and here’s my experience with Amex Plat Travel Card which you might find useful.

Impressed about the potential of Air India SBI Signature Credit Card? Feel free to share your views in comments below 🙂

18 thoughts on “SBI Air India Signature Credit Card Review

  1. Sreeram Ramamoorthy

    I wont be spending 20L on my credit card. My typical spend would be around 6L/annum. My interest is to use the points from my card to fund my travel cost. With this in mind, which card would you suggest? Is it better to go with SBI Air India Signature Credit Card or the AMEX platinum travel card?

    1. Siddharth Post author

      Amex plat travel is a must if you travel in domestic sectors 🙂

    2. Vinod Kannan

      Go for HDFC Diners card. Amex Travel card will get u Rs. 5000 indigo voucher as welcome gift +Rs. 7000 indigo voucher on reaching 1.9 lakh , Rs. 10000 indigo voucher on reaching 4 lakh + taj voucher worth Rs. 10000. But u r locked with indigo and Taj vouchers and u have to redeem them atleast 15 days prior to ur journey. If u want to redeem those points elsewhere, u ll earn only 25-30 praise per membership reward point and thereby d evaluating ur earnings to less than 2%. With Diners card, u ll get atleast 20% value back for sure when u spend with, snapdeal, goibibo, yatra, clear trip, BookMyShow and pothys over and above the existing discounts.

  2. Pradeep kumar

    Can reward points on air india signature card be redeemed against credit card bill or through scbicards app products? Are these points usefull only in air india tickets?

    1. Siddharth Post author

      You can’t reddem for Cash credit, but you can redeem for any products in Rewards catalog.

  3. Atul Ahuja

    Hi does the card give preferred acces at air india checkin counters both domestic and international

  4. Karan

    If i take a supplementary card, will the spend on the supp card be added to the main card spends for calculating the reward points eligibility? My wife and I spend ~5L individually annually so we may be able to hit the 10L annual number if the spends are combined.

  5. Kapil

    I have recently got my Air India Signature Card but I am a member of Air India Flying Returns Programme since a long time. Will my accumulated FF miles be added to the new ones accrued through Signature card ?

    1. Siddharth Post author

      You should be able to merge the accounts as it works with Jet Airways / Jet privilege. Please check with Air India.

  6. Roopaj

    We get a bonus of 20000 miles in SBI Signature card but Air India miles from Hyderabad to delhi is showing to be 10000 in Air india but actually in air miles calculator it is 1000. Isin’t it useless as you can get tickets to Delhi at approx same rate or less or am I missing something here

    1. Mrunal

      @ Roopaj The miles calculator shows you the miles you could earn whereas, the 10k miles you talking about is redeeming for your travel. Miles standalone are useless unless you club them with some co-branded credit cards or equivalent.

  7. Mrunal

    @Siddharth. I am planning to get this card and I have talked with you on phone as well regarding other cards few months back. Currently I have Diners Club Miles and my dad and mom has Regalia first Visa and Master respectively. I couldn’t manage to get the Diners Black for now but should have it by next FY. However, the reward programs have terminated I think only smart buy offers are ongoing. Anyways, my query here is status miles and bonus miles earned through the credit card are same? Like what would you suggest for getting ‘The Maharaja’ membership?

  8. RP

    Hey sid by any chance do you have any idea about how to get annual fees waived off in this card. I hold this card for 3 years and have achieved the 1 mile stone last year but then also upon request they don not entertained for fees waiver. This year also I have crossed their 1st milestone spend. They have even withdrawn the silver /gold membership tier upgrade based on spend 🙁 .

  9. Pradeep Mohanty

    How do you earn Re 1/ mile, as mentioned in your sbicard airindia card review?

  10. Nafis

    I have Air India Signature card and have earned enough reward points, although I am a very high spender, above 5 lacs type, but the visa card does not give me international lounge access which is very disturbing, twice we have been denied access to international lounges like in Dubai as well as Bombay. Please clarify and recommend how can we get the access to international lounges , need to be upgraded further or should we change the card.

    1. LK

      Did you use your priority pass which comes with the card when you were in Dubai? Visa lounge access through swiping the card itself works only in India. And lounges like GVK in Mumbai are only for business class tickets now. Could be that reason for denial.


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