AIR INDIA SBI SIGNATURE ® Credit Card

Air India SBI Signature Card is a Traveller's delight. Whether you are a frequent business traveller, or the one who leads the life on the move, you can save and earn multiple bonus reward points on each air ticket booking, and retail spends. Besides you get premium access to all leading International as well as domestic Luxury Airport Lounges with complimentary Priority Pass Program.

The card is adorned with extensive bonus reward programme wherein you get 20,000 Welcome Reward Points, 5000 Annual Anniversary Gift and up to 1,00,000 rewards based on your previous year's spends. Each point can be converted into a free air mile.

Your Air India SBI Signature Card is a visa powered credit card protected by chip and pin security feature. You can safely use your card over 2 million outlets worldwide. You also get emergency 24X7 Helpline assistance for Card Replacement when travelling abroad.

Welcome Gift

1. As you pay the joining fee, you get 20,000 Reward points as a Welcome Gift to Air India SBI Signature Card.

2. With your Air India Signature SBI Co-Branded Card, you also get a complimentary membership for Air India Frequent Flyer program-Flying Returns.

Terms of use:

  1. It will take 15 days from the date of payment to credit 20,000 Welcome Reward Points.
  2. Your existing flying returns loyalty number is linked to your card.
  3. Before redeeming miles for the self, you must have at least one flight accrual activity registered from the date of enrolment as a Flying Returns member; while to redeem the same for family and friends, you must have at least five flight accrual activities registered from the date of enrolment.

Earn Spend Based Rewards

  • You earn 4 Reward points per 100 spent through Air India SBI Signature Card.
  • On renewal of your card, you get Anniversary Gift of 5,000 Reward Points.
  • You also earn up to 1,00,000 bonus Reward Points from the second year onwards, subject to previous year's total spends through the card.

    Spend Based Annual Bonus Rewards for Air India SBI Signature Card

Annual Retail Spends

Bonus Reward Points

Cumulative Bonus Reward Points

5 Lakh

20,000

20,000

10 Lakh

30,000

50,000

20 Lakh

50,000

1,00,000

The reward points can be converted into Air India Miles; 1 Reward Point = 1 Air India Air mile.

Rewards on Air Tickets

  • Earn 30 Reward Points per 100 spent on booking of Air India tickets for the Self through Air India Website and mobile app.
  • Earn 10 Reward Points per 100 spent on booking of Air India tickets for others through Air India Website and mobile app.
  • Earn 10 Reward Points per 100 spent on booking of Air India tickets for the self or others, through Air India booking offices and call centres. The contact number for the same is 18001801407.
  • You also earn 10 Reward Points per 100 spent on SuperSaver booklet purchases.

Terms of use:

  • Up to 30 Reward Points are credited within 45 days from the date of a transaction.
  • It takes 7 working days to convert Reward Points to Air India Air Miles after the request is received.
  • The minimum threshold for Air Mile redemption is 10,000 reward points and further on the multiples of 5,000.
  • The requests once made for converting Reward Points into Air Miles cannot be reversed.

Access to Leading Airport Luxury Lounges

  1. With your Air India SBI Signature Card, you enjoy access to 600 leading International Airport Luxury Lounges with complimentary Priority Pass Program.
  2. Besides, also enjoy 8 complimentary visits through domestic Visa Lounge Access Program in India. You can make a maximum of 2 visits per quarter.

Terms of Use

With every Priority Pass member lounge visit, a usage fee up to $27 will be transacted through your Air India SBI Signature Card.

Lost Card Liability Cover

With your Air India SBI Signature Card, you get complimentary lost card liability cover of 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.

Get Cash, Anywhere & Everywhere

Air India SBI Signature Card is a global Card. You can access your card worldwide without a halt. You can access over 1 million Visa ATMs worldwide, including more than 18,000 ATMs in India. Besides, you can transact through 10,000 State Bank of India ATMs across 100 cities in India.

Fuel Surcharge Waiver

Enjoy 1% fuel surcharge waiver across all petrol pumps in India. You can save the surcharge on each transaction between 500 to 4,000, excluding taxes.

The limit of surcharge waiver is 250 per statement cycle per card.

Global Acceptance

The card is accepted at over 2 million Visa Outlets worldwide, including over 2,85,000 outlets in India.

Add On Cards for Family

You can apply for Add-On Card at no charge for your family members above the age of 18.

Safe and Secure Card

Your Air India SBI Signature Card is a chip and pin enabled card and ensures security against counterfeiting and skimming.

Easy Bill Pay Facility

With Easy Bill Pay Facility you can set standing instruction for your utility bills such as electricity, insurance, telephone, etc and pay your bills hassle fee before the due date through your card.

Flexipay

Using Flexipay facility through your Air India SBI Signature Card, you can convert any of your retail purchase worth 2,500 or more into Easy Monthly Instalment. You can make the request within 30 days of the transaction to convert your purchase into EMI through sbicard.com. To make the request, your previous card balance should be clear.

Balance Transfer on EMI

With BT on EMI, you can save while clearing out the balance of your other credit cards. You can log on to sbicard.com and request to transfer the outstanding balance of other credit cards to your Air India SBI Signature Card. The request is processed at a lower rate of interest for an affordable EMI plan.

Easy Money

Being a valued customer of Air India SBI Signature Card, you can request Easy Money to your doorstep. As you require for credit, you get a draft or cheque against your cash limit delivered to your home.

Railway Ticket Booking

When you book Railway Tickets online through Air India SBI Signature Card, you can get doorstep delivery of tickets.

Emergency Card Replacement

Your Air India SBI Signature Card comes with a 24x7 helpline for emergency card replacement. You can travel abroad with peace of mind.

Card Annual Fee:

Joining Fee

Up to 4,999 (one time)

Renewal Fee

4,999 per annum, second year onwards

Add-on Fee

Nil

Extended Credit:

Interest-free credit period on retail purchases

20-50 days, subject to the full payment of previous month's dues

Finance charges

Up to 3.35% per month, i.e., 40.2% per annum, from the transaction date

Minimum Due

5% of Total Outstanding (Minimum of 200 + applicable taxes + EMI ( if any) + OVL amount (if any)

Cash Advance:

Cash Advance Limit

Varies, up to 80% of the credit limit assigned; maximum of 15,000 per day

Free Credit Period

Nil

Finance charges

Up to 3.35% per month, i.e., 40.2% per annum from the withdrawal date

Cash Advance Fee:

From SBI or other Domestic ATMs

2.5% of the amount, a minimum of 300

From International ATMs

3% of the amount, a minimum of 300

Other Charges:

Cash Payment Fee

100

Cheque Fee

100 (for cheques up to 10,000)

Cheque pickup

100

Payment Dishonour fee

2% of the amount, a minimum of 450

Statement retrieval

100 per statement
*for retrieval of more than 2 months old statements

Overlimit charges

2.5% of over limit, subject to a minimum of 500

Card Replacement Fee (From India)

100

Card Replacement, when abroad

Nil

Foreign Currency Transaction- Conversion Mark Up

3.5%

Rewards Redemption Fee

Up to 99
*Nil for redemption on Air India Miles

Late Payment Fees:

Balance up to 200

NIL

Balance between 200 to 500

100

Balance between 500 to 1000

400

Balance between 1000 to 10,000

600

Balance between 10,000 to 25,000

800

Balance greater than 25,000

950

Surcharge:

On Railway tickets booked through counters

30 + 2.5% of transaction

On Railway tickets booked through irctc.co.in

1.8% of transaction + applicable tax

At petrol pumps:
(for petrol and other products or services)

1% fuel surcharge waiver for each transaction of 500 to 4,000, exclusive taxes.

* Maximum of 250 surcharge waiver per statement cycle, per credit card account

Customs Duty

2.25% of the transaction, a minimum of 75

Payment Settlement

Payments for the account will be settled as per the Minimum Amount Due, Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

How do I apply for Air India SBI Signature Card?

Ans: To apply for Air India SBI Signature Card, all you need to do is fill a form on MyMoneyMantra Website. An OTP is generated and sent to your mobile number. As you submit the OTP, you are directed to a Credit Cards listing page. Here you can either directly select Air India SBI Signature Card and apply or connect with SBI Card. Or, compare it with other SBI Cards before applying. As you register on our website, a credit card expert will call you and answer all your queries regarding the card application and formalities. She will assist and arrange for doorstep collection of documents followed by doorstep card delivery by SBI Card.

What documents do I need to apply for Air India SBI Signature Card?

Ans: You require a copy of valid documents to prove your identity, income and address proof. You will need the following:

  1. 2 passport size photographs
  2. Identity Proof (any one): Passport, Driver's License, Voter's ID, PAN, Aadhaar Card
  3. Address proof (anyone): Passport, Driver's License, Voter's ID, Aadhaar Card, Utility bills such as electricity bill, telephone bill, mobile phone bill; Bank Statement
  4. Income Proof: For salaried individuals: Last 3 months' salary slips (or) last 3 months' bank statements; For self- employed individuals: Previous year's ITR along with last 3 months bank statement and Form 16.

How do I convert Air India SBI Signature Card Reward Points into Free Air Miles?

To convert your Air India SBI Signature Card Reward Points to Air India Air Miles call SBI Card Helpline: 1860 180 1290 or 39020202 (prefix local STD Code).

However, before you process the same, make sure you have a minimum of 10,000 Reward Points. Further, the points are redeemed in the multiples of 5,000 points only. It will take 7 working days to process the request.

Why my request for converting Reward Points to Air India Air Miles is rejected?

There can be multiple reasons for the rejection of your request to convert reward points to Air India Air Miles, such as:

  1. If your first flight activity with Air India is pending, your membership status is "Prospect." You need to complete your first flight activity with Air India after enrolment with the Frequent Flyer Program (FFP) to change the status to "Primary Active." This is mandatory to allow conversion of Reward Points to Air Miles.
  2. If your FFP membership is not enrolled, the redemption request will be rejected.
  3. If your existing FFP membership number is different from FFP membership number imprinted on Air India SBI Signature Card, the processing fails. Contact SBI Card helpline to link your existing FFP membership number with the card.

In all of the above cases, the reward points debited from your Air India SBI card account will be credited back.

How do I book Railways tickets online and request doorstep delivery?

It is completely hassle-free to book Railways tickets online with your Air India SBI Signature Card. Follow these steps:

  • Visit irctc.co.in website, and register for free of cost
  • Now, log in with your user name & password
  • Now you can make a reservation on the website
  • Pay through your Air India SBI Signature Card. Choose the payment gateways that accept a Visa Card. The tickets are delivered at your doorstep.

What is the credit score and how does my card affect my score?

Credit Score is a three digit numeric rating of your financial standing issued by a Credit Bureau. The number also represents the risk involved in lending to you. A CIBIL Score is a credit rating benchmark in India. Higher is the credit score; the better is the credit rating of the individual. Owning a credit card helps you maintain a good credit score as it builds your credit history. All Card providers including SBI Card are required to share customers' credit history with the credit bureaus.

SBI Card reserves the right to modify/ remove one or more of the offers on Air India SBI Signature Card at any point in time without any notice.

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