Air India SBI Signature Credit Card Review
Author And Publisher: Gyro 3.oAir India SBI Signature Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
Air India SBI Signature Credit Card Review :
A Premium Travel Companion
Introduction
The Air India SBI Signature Credit Card is a premium co-branded credit card designed for frequent flyers of Air India. It offers a range of exclusive travel benefits, including accelerated rewards on Air India bookings, complimentary lounge access, and milestone rewards, making it an excellent choice for those who value premium travel experiences. Here’s a detailed review to help you decide if this card is right for you.
Key Features and Benefits
Welcome Benefits
- 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.
Reward Structure
- Get 4 Reward points for every ₹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.
- Earn 10 Reward Points for every ₹100 spent on Air India ticket purchases.
Milestone Benefits
- ₹5 lakh annual retail spend: 20,000 bonus points.
- ₹10 lakh annual retail spend: Additional 30,000 bonus points (total 50,000).
- ₹20 lakh annual retail spend: Additional 50,000 bonus points (total 1,00,000).
anniversary gift
- Enjoy anniversary gift of 5,000 Reward points every year.
Lounge Access
- International Lounges: Access to over 600 international airport lounges with a complimentary Priority Pass Program.
- Note: A usage fee of up to $27 will be charged per visit to Priority Pass lounges.
- Complimentary Visa Lounge Access Program at major domestic airports.
- 8 complimentary visits per year (maximum 2 visits per quarter).
Insurance Coverage
- Enjoy complimentary lost card liability cover of ₹1 lakh.
Note : This cover is applicable from the period of 48 hours prior to reporting of loss till 7 days post the reporting of loss.
Fuel Surcharge Waiver
- Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with a maximum waiver of ₹250 per statement cycle.
Annual Fee
- ₹4,999 + GST, with no waiver option.
Struggling to keep up with mounting credit card bills?
Card Essential
| Type | Reward Points |
| Welcome Benefits | 20,000 Reward points* |
| Annual Fee | ₹4,999 + GST |
| Reward Structure | Rewards On SPENDS |
| Renewal Benefit | --------------- |
Rewards and Benefits Analysis
The Air India SBI Signature Credit Card is ideal for frequent Air India flyers, offering substantial rewards on Air India bookings and milestone benefits that enhance travel experiences. The complimentary lounge access and Priority Pass membership add value for travelers seeking premium perks.
Practical Considerations
While the card excels in travel-related benefits for Air India loyalists, its high annual fee might deter casual users. Additionally, the reward rate for non-Air India spends is modest compared to other premium cards.
Redemption Options
Reward points can be converted into Air India Air Miles, providing flexibility for flight redemptions. However, users should note that lounge visits under Priority Pass incur additional charges.
Ideal User Profile
This card is best suited for
Frequent Air India flyers
Travelers seeking premium perks like lounge access and priority membership
High spenders who can maximize milestone benefits
Final Thoughts
The Air India SBI Signature Credit Card offers a compelling package for loyal Air India flyers with its focused rewards and travel perks. While it may not suit everyone due to its high annual fee, frequent travelers can maximize its value through flight bookings and milestone rewards.
Additional Tips for Potential Applicants
Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize spends on Air India bookings to earn the highest rewards.
Redemption: Use reward points for flight redemptions to maximize value.
travel habits and financial goals.
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