Air India SBI Signature Credit Card Review

Air India SBI Signature Credit Card is a co-branded credit card offered by SBI Card in collaboration with Air India, India’s national airline. The card is designed to offer a host of benefits and privileges to frequent flyers of Air India.

It is a premium credit card that comes with exclusive benefits such as complimentary access to airport lounges, reward points on spending, and discounts on air tickets.

Let’s take a closer look at the features and benefits of the Air India SBI Signature Credit Card:

1. Welcome Benefits: The Air India SBI Signature Credit Card offers a welcome bonus of 20,000 reward points on payment of the joining fee. The reward points can be redeemed for Air India air tickets, upgrades, and other travel-related benefits.
2. Reward Points: The cardholder earns 4 reward points for every Rs.100 spent on the card. The reward points can be redeemed for air tickets, hotel stays, car rentals, and other travel-related benefits. The card also offers 10,000 bonus reward points on reaching annual spending of Rs.5 lakhs and 30,000 bonus reward points on reaching annual spending of Rs.10 lakhs.
3. Lounge Access: The cardholder gets complimentary access to select domestic and international airport lounges across India and the world. The lounge access is provided through the Priority Pass Program, which is one of the world’s largest independent airport lounge access programs.
4. Discount on Air Tickets: The cardholder gets a discount of up to 15% on Air India air tickets booked through the Air India website or mobile app. The discount is applicable on base fare and fuel surcharge.
5. Travel Benefits: The card offers a host of travel-related benefits such as travel insurance, lost card liability cover, and emergency card replacement. Travel insurance covers the cardholder against accidental death and disability, hospitalization expenses, and lost baggage. The lost card liability cover protects the cardholder against fraudulent transactions on the card in case of loss or theft.
6. Milestone Benefits: The Air India SBI Signature Credit Card offers milestone benefits on reaching specific annual spending. The cardholder gets a discount voucher worth Rs.7,700 on reaching annual spending of Rs.3 lakhs and an additional voucher worth Rs.11,000 on reaching annual spending of Rs.4 lakhs.
7. Dining Benefits: The cardholder gets a discount of up to 20% on dining at select restaurants across India. The discount is applicable to the total bill amount, including food and beverages.
8. Fuel Surcharge Waiver: The cardholder gets a waiver of a 1% fuel surcharge at petrol pumps across India. The waiver is applicable on transactions between Rs.500 and Rs.4,000.

Fees and Charges:

The Air India SBI Signature Credit Card comes with an annual fee of Rs.4,999. The fee is waived if the cardholder spends more than Rs.5 lakhs in a year. The interest rate on the card is between 42% and 48% per annum, depending on the usage and repayment behavior.

Conclusion:

The Air India SBI Signature Credit Card is an excellent choice for frequent flyers of Air India. The card offers a host of benefits and privileges, including lounge access, reward points, discounts on air tickets, travel benefits, and dining benefits.

The card’s annual fee is on the higher side, but it is waived if the cardholder spends more than Rs.5 lakhs in a year. Overall, the Air India SBI Signature Credit Card is a great option for those who travel frequently and want to make the most of their travel expenses.

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