Air India SBI Signature Card

  • Joining Fee
    ₹ 4,999
  • Category
  • Min. Income
    ₹ 6,00,000
Air India SBI Signature Card
  • 20,000 Reward Points as Welcome Gift
  • Card Anniversary gift of 5,000 Reward Points every year
  • Upto 30 Reward Points for every Rs. 100 spent on Air India tickets.
  • Up to 1,00,000 Bonus Reward Points on annual spends of Rs. 5 lakh & above

Card Details

  • Get 20,000 Reward points* as a welcome gift on payment of your joining fee
  • Enjoy complimentary membership of the Air India Frequent Flyer program-Flying Returns
  • Get 4 Reward points for every Rs. 100 spent.
  • Get up to 1,00,000 bonus Reward points annually
  • Convert your Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile
  • Enjoy anniversary gift of 5,000 Reward points every year on payment of renewal fee
  • Earn upto 30 Reward Points for every Rs. 100 spent on Air India tickets booked through, airindia mobile app.
  • 30 Reward Points when booked for self and 10 Reward Points when booked for others.
  • Enjoy International Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority Pass Program
  • Enjoy the complimentary Visa Lounge Access Program in India at major domestic airports. For details, click here


To get this credit card, you must be:

  • Above 21 years of age
  • Salaried or Businessman
  • Permanent Resident of India
  • Having Good Credit Score. Not sure of your credit score? Click here to check for FREE
  • Minimum Gross Annual Income of Rs.9Lac

Additional criteria for approval from the lender may apply

Documentation Required

Applicant needs to furnish self-attested supporting documents :

Identity Proof(any one) such as
  • Aadhaar Card
  • PAN Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
Address Proof(any one) such as
  • Aadhaar Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
  • Utility bill not more than 2 months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill) 
Income Proof(whichever applicable)
  • Latest Payslip/Form-16(For Salaried)
  • Latest ITR(For self-employed)

and a passport-size photograph.

Think About

Lost Card Liability Cover

  • Enjoy complimentary lost card liability cover of Rs. 1 lakh
  • This cover is applicable from the period of 48 hours prior to reporting of loss till 7 days post the reporting of loss

Access Cash Anytime, Anywhere

  • Withdraw cash from over 1 million Visa ATMs worldwide including over 18,000 Visa ATMs in India. You can also withdraw from 10,000 State Bank of India ATMs across 100 cities in India

Fuel Surcharge Waiver

  • Get 1% fuel surcharge waiver with your Air India SBI Signature Card, across all petrol pumps
  • Purchase fuel worth Rs. 500 to Rs. 4,000, to avail this benefit
  • Get maximum surcharge waiver of Rs. 250 per statement cycle. Applicable taxes extra wherever applicable

Global Acceptance

  • Accepted at over 2 million Visa outlets worldwide and over 2,85,000 outlets in India

Empower your Family

  • Empower your family by applying for add-on cards for your spouse, parents, children or siblings above the age of 18

Safety and Security

  • Your Air India SBI Signature Card is a chip and pin enabled card, giving you enhanced security against counterfeiting and skimming

Easy Bill Pay Facility

  • Never miss the due date for paying your electricity, insurance, telephone and other utility bills, with the Easy Bill Pay facility on your card

Click here to know more


  • With Flexipay, make any purchase worth Rs. 2,500 or more and log on to within 30 days to convert your purchase into Easy Monthly Instalment

Click here to know more

Balance Transfer on EMI

  • Save money while paying your credit card dues
  • Transfer the outstanding balance of other bank’s credit cards to your Air India SBI Signature Card, to avail a lower rate of interest and pay back in EMIs

Click here to know more

Easy Money

  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep

Click here to know more

Fee Details


  • Annual Fee ( one time): Up to Rs. 4,999
  • Renewal Fee (per annum): Rs. 4,999 from second year onwards
  • Add-on Fee (per annum): Nil

Extended Credit

  • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
  • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
  • 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

  • Cash advance limit: Up to 80% of the credit limit, maximum Rs. 15,000 per day
  • Free credit period: Nil
  • Finance charges: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal

Cash Advance Fee

  • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
  • International ATM: 3% of transaction amount, subject to a minimum of Rs. 300

Other Charges

  • Cash Payment Fee: Rs. 100
  • Cheque pickup: Rs. 90
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
  • Statement retrieval: Rs. 100 per statement that is more than 2 months old
  • Charge slip retrieval: Rs. 225 per charge slip
  • Late payment:
      1. Nil for total amount due from Rs. 0 to Rs. 200
      2. Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
      3. Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
      4. Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
      5. Rs. 750 for total amount due greater than Rs. 10,000
      6. Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
  • Card replacement: Rs. 100
  • Card replacement, when abroad: Nil
  • Foreign currency transaction: Conversion mark up - 3.5%
  • Rewards redemption fee: Up to Rs. 99. Nil for redemption on Air India Miles


  • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
  • Railway tickets through 1.8% of transaction amount + service charge, as applicable
  • Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 &  Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account.
  • Payment of customs duty: 2.25% of transaction amount, minimum of Rs. 75

All taxes would be charged as applicable on all the above Fees, Interest & Charges.

Order of Payment Settlement

  • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance

Customer Care Details

Contact SBI cards Customer Care

Phone: Dial 39 02 02 02 (prefix local STD code), 1860 180 1290or 1800 180 1290 (toll free). Available 8 AM - 8 PM from Monday to Saturday

Fax: Fax your documents and SBI Card application at 0124-2567131

Central office: SBI Cards, Customer Service Department, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Infinity Towers, DLF Cyber City, Gurgaon – 122002, Haryana, India

E-mail: You can email your query, concern or feedback

Twitter: Connect on Twitter @SBICard_Connect

SMS: SMS HELP to 5676791 from your registered mobile to get your account information using Simply SMS services.SMS PROBLEM to 9212500888 and get a call back from SBI within 24 hours.

IRCTC SBI Credit Card Helpline: Dial 39 02 12 12 (prefix local STD code)from all phone numbers 1800 180 1295 (from BSNL/MTNL lines)

If you are not satisfied with the resolution, escalate a previous query.