Air India SBI Signature Card: Best Rewards for Air India Flight Bookings

Air India SBI Signature Card: Best Rewards for Air India Flight Bookings

Offers the Best Rewards for Air India Bookings

Good for

  • Families
  • Frequent travellers
  • Air India loyalists
  • High spenders

Bad for

  • Students
  • Consumers who are looking to avoid fees

Editor's Rating

4.5/5.0

The Air India SBI Signature Card is the best credit card on the market for travellers that prefer to fly Air India. For instance, the card earns an excellent 13.5% on all Air India bookings (30 points per Rs. 100, 1 point = 1 Air India Mile = Rs. 0.45). Furthermore, cardholders earn a rewards rate of 1.8% (4 points per Rs. 100, 1 point = 1 Air India Mile = Rs. 0.45) on everything else—making it one of the top general spending cards in India. The Air India Card also has the largest sign-up bonus in our credit card review, which easily covers the cards high annual fee (Rs. 4,999). Additionally, the card provides high spenders with the opportunity to earn extra bonuses (up to 50,000 points—Rs. 22,500) after surpassing certain spending thresholds. As a result, this is a great option for any individual who wants a solid credit card for all spending categories and also tends to travel through Air India.

ProsCons
  • 13.5% rewards rate on Air India bookings
  • 1.8% rewards rate on general spending
  • 8 domestic lounge visits per year (max 2 per quarter)
  • High promotions
  • Joining fee of Rs. 4,999
  • Annual fee of Rs. 4,999
Promotions:
  • Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
Card Overview
Pros:
  • 13.5% rewards rate on Air India bookings
  • 1.8% rewards rate on general spending
  • 8 domestic lounge visits per year (max 2 per quarter)
  • High promotions
Cons:
  • Joining fee of Rs. 4,999
  • Annual fee of Rs. 4,999
Promotions:
  • Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)

What Makes The Air India SBI Signature Card Stand Out?

The Air India SBI Signature Card is the best Air India credit card available. For instance, it earns cardholders a best-in-market 13.5% (30 points per Rs. 100, 1 point = 1 Air India Mile = Rs. 0.45) on all Air India bookings and a great 4.5% rewards rate (10 points per Rs.100, 1 point = 1 Air India Mile = Rs. 0.45) on bookings made for others. Moreover, the cardholder earns a solid general spending rewards rate of 1.8% (4 points per Rs. 100, 1 point = 1 Air India Mile = Rs. 0.45) making it one of the better general spending cards in our review.

In terms of promotions, the card offers cardholders the largest sign-up bonus, which comfortably covers the joining and annual fee of Rs. 4,999. The card also provides high spenders an opportunity to earn additional rewards after surpassing certain spending thresholds (up to 50,000 points— worth Rs. 22,500). The Air India SBI Card also offers 8 annual domestic airport lounge visits per year (max 2 per quarter) through their Visa program. In all, this is a great credit card for high spenders looking to maximize rewards through Air India travel bookings.

SpendAdditional RewardsCumulative Rewards
₹ 500,00020,000 points20,000 points
₹ 1,000,00030,000 points50,000 points
₹ 2,000,00050,000 points100,000 points

How Does the Air India SBI Signature Credit Card’s Rewards Program Work?

The Air India SBI Signature Card’s reward program primarily revolves around Air India miles. The card earns cardholders 30 points per Rs. 100 spent on Air India bookings and 10 points per Rs. 100 for Air India bookings made for someone else. Additionally, the card earns 4 points per Rs. 100 spent on all other spending. The redemption rate for the reward points is 1 point = 1 Air Mile = Rs. 0.45. The points are valid for 2 years after accrual.

  • 30 points per Rs. 100 on Air India bookings made for yourself
  • 10 points per Rs. 100 on Air India bookings made for others (e.g. family, friends)
  • 4 points per Rs. 100 on general spending
  • Reward redemption rate of 1 point = Rs. 0.45
  • No maximum rewards points
  • Points expire after 2 years of accrual

Air India SBI Signature Credit Card's Features and Benefits:

Card Overview
  • Joining Fee: Rs. 4,999
  • Annual Fee: Rs. 4,999
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-60
Rewards Rate Details
  • 30 points per Rs. 100 on Air India bookings made for yourself
  • 10 points per Rs. 100 on Air India bookings made for others
  • 4 points per Rs. 100 on general spending
  • Reward redemption rate of 1 point = Rs. 0.24
Benefits & Perks
  • Visa Domestic Lounge Program (8 free visits/year, max 2/quarter; lounges across 6 major cities)
  • Priority Pass membership (USD$ 27 charged/visit)
Promotions:
  • Signup bonus of 20,000 points (₹ 9,000)
  • Renewal benefit of 5,000 reward points (₹ 2,250)
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)

How Does Air India SBI Signature Credit Card Compare Against Other Cards?

Read our comparisons of the Air India SBI Signature Credit Card:

Graph showing India’s Best Travel Rewards Cards for Consumers Spending approximately Rs. 47,000 per month

Air India SBI Signature Card vs. JetPrivilege HDFC Bank Diners Club Card

Consider this if you are interested in a primary card to also use for travelling rewards

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer

The JetPrivilege HDFC Bank Diners Club Credit Card is the ideal travel rewards option for consumers seeking a card for general spending and booking flights with InterMiles or Etihad Airways. The JP HDFC Bank Diners card earns a solid rewards rate of 4.8% (16 points per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) for all bookings made on the InterMiles platform. Additionally, the card offers a great 6.0% rewards rate (20 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) on all Etihad Airways bookings with an additional 5% and 10% discount on economy and business class tickets, respectively. Though these rates are great, they are both lower than the Air India cards rewards rate of 13.5% on Air India bookings.

However, in terms of general spending, the JetPrivilege Card offers a higher rewards rate (2.4%; 8 points per Rs. 150, 1 point = Rs. 0.45) than the Air India Card (1.8%). Therefore, we would recommend the JetPrivilege Card for those seeking a card for general spending and travel rewards, but the Air India card for Air India loyalists who frequently travel.

Air India SBI Signature Card vs. Standard Chartered Yatra Platinum Card

Consider this if you prefer to book your travels on Yatra and like cashback

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Yatra Platinum Card is the best Yatra-specific rewards card in the market. For instance, on all travel bookings (including hotels), cardholders earn 10% cashback and a rewards rate of 0.95% (4 points per Rs. 100, 1 reward point = 0.53 InterMiles). Despite the SC Yatra Platinum card's high cashback rate, the Air India Card rewards are more valuable (13.5%) for those that fly frequently. When looking at general spending, the Air India Card has the Yatra Platinum Card beat with a higher 1.8% rewards rate compared to 0.48% (2 points per Rs. 100, 1 reward point = 0.53 InterMiles). As a result, Yatra Platinum Card is great for consumers who like to book flights on Yatra without being tied to any specific airline and hotel bookings, whereas the Air India Card is a better option for those who book Air India and want a solid card for general spending.

Air India SBI Signature Card vs. Yatra SBI Card

Consider this if you are a frequent traveller and prefer to book through Yatra

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Yatra SBI Card is a solid option for individuals that frequently book on the Yatra platform. The SBI Yatra Card earns cardholders a low 0.25% rewards rate on general spending, which also includes its rate for the travel bookings—significantly lower than both the 13.5% rewards rate earned on Air India bookings and the 1.8% rewards rate earned on general spending by the Air India Card. The main source of value by the Yatra Card; however, comes from the discounts offered on travel bookings made on Yatra. For instance, the card offers 20% off on hotel and flight bookings (6 annually).Therefore, if you are interested in booking on Yatra and tend to travel under 6 times per year then the Yatra Card may be a better fit; however, if you are interested in general spending and Air India travel, we would recommend the Air India Card.

Air India SBI Signature Card vs. Air India SBI Platinum Card

Consider this if you are frequently travel on Air India and are interested in a relatively low-fee card

Age Requirement 21-60
Annual Income Requirement None listed by issuer

The Air India SBI Platinum Card is a great option for consumers who travel with Air India and are interested in a relatively low-fee card compared to the Signature Card. For instance, the Platinum Card charges Rs. 1,499, whereas the Signature Card charges Rs. 4,999. However, cardholders earn a 6.75% rewards rate (15 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45) on all Air India bookings, which is lower than the Signature Card’s 13.5%. Furthermore, the Platinum Card’s general spending rate (0.90%, 2 points per Rs. 100) is lower than the Signature Card’s rate (1.8%). Therefore, the Platinum card is a good low-fee Air India option, but if you are willing to take on the fee you will receive much higher rewards with the Signature card.