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SBI Card

SBI Air India Signature Credit Card

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Annual Fee

₹4,999

Reward Type

Miles

Forex

3.5%

Lounge

4 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹4,999
Annual Fee₹4,999
Min Monthly Income₹80,000

Rewards

Reward TypeMiles
Base Rate1.67%
Point Value₹1/point

Category Multipliers

air india10%airlines5%

Redemption Values

airlines₹1/pt
hotel transfer₹0.3/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamFolks, Priority Pass

Similar Cards

IndusInd Avios Visa Infinite Credit Card (99%) →Air India Axis Bank (ex-Vistara) (96%) →Axis Atlas (96%) →Axis Miles & More World Credit Card (96%) →HDFC Marriott Bonvoy Credit Card (96%) →

⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 1.67%, you need to spend ₹2,99,342 annually.

🎯 Pro Tips

  • ▸30 Flying Returns miles per ₹100 on Air India flights — fastest way to earn FR miles in India.
  • ▸Annual companion free ticket on spending ₹6L in a year.
  • ▸Complimentary Air India airport lounge access + seat upgrade on availability.
  • ▸10 FR miles/₹100 on other airlines, 5 FR miles/₹100 on all other spends.
  • ▸Best card for Air India loyalists flying domestic + Heathrow/JFK routes.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹23,033

Effective Rate

1.9%

Ranked #22 of 173 cards⭐ Top 30

₹4,999 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Air India Flight RedemptionBEST₹1.0/FR Mile

🏷️ Best For

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