Air India SBI Signature Credit Card Review

We invite you to explore our detailed evaluation of the Air India SBI Signature Credit Card, an esteemed product offered by SBI Card in partnership with Air India. This collaborative credit card is specifically crafted to meet the requirements of frequent travelers, offering a variety of advantages and incentives customized to enrich your journeys.

With the Air India SBI Signature Credit Card, you can embark on a journey of rewarding experiences. The card not only offers generous reward points on your everyday spending but also provides accelerated rewards on Air India purchases. Whether you’re booking flights, shopping, or dining, you’ll earn 4 reward points for every Rs. 100 spent, ensuring that your spending translates into exciting benefits.

As a travel credit card, the Air India SBI Signature Credit Card goes beyond traditional rewards. Cardholders gain access to an exclusive world of privileges, including complimentary membership to the esteemed Priority Pass lounge access program. This grants you access to a wide network of airport lounges globally, allowing you to relax and rejuvenate before your flights.

In addition to the Priority Pass membership, this premium credit card offers 2 complimentary domestic airport lounge visits every quarter, ensuring that your travel experiences are marked by comfort and convenience. Whether you’re a frequent flyer or an occasional traveler, these lounge benefits can make your journey more enjoyable.

While the Air India SBI Signature Credit Card comes with a higher annual membership fee of Rs. 4,999, it offers a range of superior benefits and add-ons that justify its premium status. If you’re a discerning traveler seeking a credit card that combines travel rewards, lounge access, and exclusive privileges, this card could be the perfect fit for you.

In this review, we will delve deeper into the features, benefits, and finer details of the Air India SBI Signature Credit Card, enabling you to make an informed decision about whether this card aligns with your travel goals and lifestyle. So, let’s explore the world of perks and rewards that await you with the Air India SBI Signature Credit Card.

Features and Benefits

• Rewarding Movie & Dining Experience: While specific details about movie and dining rewards are not available, the Air India SBI Signature Credit Card offers a range of benefits and rewards in other categories to enhance your overall experience.
• Generous Rewards Rate: Earn 30 reward points for every Rs. 100 spent on tickets booked for yourself and 10 reward points for every Rs. 100 spent on tickets booked for others through airindia.in. Additionally, earn 10 reward points for every Rs. 100 spent on tickets booked for yourself and others through Air India Booking office or call centers. These reward points can be converted into Air India Air Miles, allowing you to save on future flights.
• Seamless Reward Redemption: Convert your accumulated reward points into Air India Air Miles, enabling you to redeem them for discounted or free flights with Air India. Each reward point is equivalent to one Air Mile, making it easy to track and utilize your rewards.
• Enhanced Travel Benefits: Experience the joy of accelerated reward points on Air India spends, allowing you to accumulate rewards faster when booking flights with Air India. Additionally, enjoy complimentary domestic and international airport lounge access, providing you with a tranquil and comfortable environment before your flights.
• Domestic Lounge Access: With the Air India SBI Signature Credit Card, you can enjoy up to 8 complimentary visits to domestic lounges each year. Take advantage of these visits to unwind, refresh, and prepare for your journey with ease and convenience.
• International Lounge Access: Benefit from a complimentary Priority Pass membership, granting you access to a wide network of airport lounges globally. Please note that while the Priority Pass membership is complimentary, visits may be chargeable.
• Insurance Coverage for Lost Card: Gain peace of mind with an insurance cover worth Rs. 1 lakh in case of the loss of your credit card. This coverage provides financial protection and ensures that you are safeguarded against potential losses.
• Zero Liability Protection: Rest assured knowing that you are protected against fraudulent transactions on your credit card. Upon reporting the loss of your card to the bank, you have zero liability for any fraudulent activity that occurs post-reporting.

Fees and Charges

• Rewards Redemption Fee: A nominal fee of Rs. 99 (plus applicable taxes) is applicable when redeeming your reward points for Air India Air Miles. This fee ensures a smooth and efficient redemption process, allowing you to enjoy the benefits of your accumulated rewards.
• Foreign Currency Markup: When making transactions in foreign currency, a markup of 3.5% of the transacted amount will be applied. While this fee is standard for most credit cards, it’s essential to keep it in mind when using your Air India SBI Signature Credit Card for international purchases.
• Competitive Interest Rates: The Air India SBI Signature Credit Card carries an interest rate of 3.5% per month, which translates to an annual interest rate of 42%. It’s important to make timely payments to avoid accruing interest charges on outstanding balances.
• Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver of 1% on fuel transactions ranging from Rs. 500 to Rs. 4,000. This waiver provides savings when refueling your vehicle, making your fuel expenses more manageable.
• Cash Advance Charge: In situations where you need cash, a cash advance can be obtained using your credit card. A cash advance charge of 2.5% or Rs. 500 (whichever is higher) is applicable to such transactions. It’s advisable to use cash advances sparingly and repay them promptly to minimize additional costs.
• Add-on Card Fee: The Air India SBI Signature Credit Card offers the convenience of add-on cards without any additional fee. You can extend the benefits and privileges of the primary card to your loved ones by requesting an add-on card, enabling them to enjoy the rewards and perks as well.

Air India SBI Signature Credit Card Rewards

• Earn Rewards on Everyday Spending: With the Air India SBI Signature Credit Card, you can accumulate rewards effortlessly. Earn 4 reward points for every Rs. 100 spent with the card on a wide range of purchases, from daily essentials to luxury indulgences. Every transaction brings you closer to exciting rewards and benefits.
• Exclusive Rewards on Air India Ticket Bookings: As a cardholder, you can unlock enhanced rewards when booking Air India tickets. Receive 30 reward points for every Rs. 100 spent on Air India ticket bookings for yourself through airindia.in. This substantial earning rate allows you to maximize your rewards while planning your travels with Air India.
• Rewards for Booking Air India Tickets for Others: The Air India SBI Signature Credit Card goes beyond personal bookings. Earn 10 reward points for every Rs. 100 spent on Air India ticket bookings for others through airindia.in. Whether you’re treating family, friends, or colleagues to memorable journeys, you’ll be rewarded for your generosity.
• Rewards for Air India Ticket Bookings through Alternate Channels: Enjoy flexibility in how you book Air India tickets and still earn rewards. Earn 10 reward points for every Rs. 100 spent on Air India ticket bookings, whether for yourself or others, through Air India booking offices or Air India call centers. This feature accommodates different preferences and ensures that you continue to earn rewards regardless of your chosen booking method.

The Air India SBI Signature Credit Card’s rewards program is designed to make every rupee spent more rewarding. Earn generous reward points on your everyday purchases and unlock even higher earning rates when booking Air India tickets.

Whether you’re flying solo or booking for others, this credit card allows you to earn and accumulate rewards faster, bringing you closer to exciting benefits and experiences. Start reaping the rewards and make the most of your spending with the Air India SBI Signature Credit Card.

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FAQs

Does the Air India SBI Signature Credit Card offer any add-on card facility?

Yes, you can request add-on cards with the Air India SBI Signature Credit Card at no additional fee, allowing you to extend the benefits and privileges to your family members or loved ones.

How can I report a lost or stolen Air India SBI Signature Credit Card?

In case of a lost or stolen card, you should immediately report it to the bank’s customer service helpline. The bank will assist you in blocking the card to prevent any unauthorized usage and provide guidance on the next steps to be taken.

Can I redeem my reward points for flights with Air India?

Yes, the reward points earned with the Air India SBI Signature Credit Card can be converted into Air India Air Miles, which can be redeemed for discounted or free flights with Air India.

Are there any annual fees associated with the Air India SBI Signature Credit Card?

Yes, the Air India SBI Signature Credit Card has an annual membership fee of Rs. 4,999. This fee grants access to the card’s premium benefits and privileges.

Can I redeem my reward points for flights with Air India?

Yes, the reward points earned with the Air India SBI Signature Credit Card can be converted into Air India Air Miles, which can be redeemed for discounted or free flights with Air India.

Are there any annual fees associated with the Air India SBI Signature Credit Card?

Yes, the Air India SBI Signature Credit Card has an annual membership fee of Rs. 4,999. This fee grants access to the card’s premium benefits and privileges.

Conclusion

Air India SBI Card, a collaboration between SBI Card and Air India, is a travel credit card positioned at a mid-level tier. If you frequently travel within India, this card presents itself as a compelling choice. It offers accelerated reward points on Air India spends, which can be converted into Air India Air Miles. Additionally, you receive the benefit of 8 complimentary domestic airport lounge visits annually, with 2 visits allocated per quarter.

However, if you are in search of an entry-level travel credit card option from SBI, you may want to explore the Air India SBI Platinum Credit Card. This alternative card caters to the needs of individuals seeking a lower-tier travel credit card experience.

Author: Vedanti KiranVedanti is a female finance writer, currently pursuing her studies at Hansraj College. She has a passion for writing and travelling, and her articles on the stock market, finance, investment, and cryptocurrency are well-researched and informative. With her unique perspective on the world of finance, Vedanti is a go-to source for those seeking insights into the world of finance.