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Air India SBI Signature Credit Card Review
The Air India SBI Signature is the premium tier of the Air India–SBI co-brand, earning Reward Points that convert 1:1 into Air India Maharaja Points. With Vistara folded into Air India, it’s a logical home for frequent Air India flyers and ex-Vistara cardholders. Here is the verified review.
- 10 RP per ₹100 on Air India tickets
- 4 RP per ₹100 on all other spends
- Points convert 1:1 to Maharaja Points
- 20,000-point welcome + 5,000 anniversary points
- 8 domestic lounge visits/year + Priority Pass (international)
- Up to 1,00,000 bonus points per year
- ₹4,999 annual fee
- Value tied to Air India / Maharaja Club
- Maharaja Points valid 12 months after conversion
- Priority Pass visit fees may apply beyond inclusions
- Best for frequent Air India flyers
Fees & rewards
| Item | Detail |
|---|---|
| Annual fee | ₹4,999 + GST |
| Welcome | 20,000 reward points |
| Air India tickets | 10 RP per ₹100 |
| Other spends | 4 RP per ₹100 (up to 1,00,000 bonus/year) |
| Conversion | 1 RP = 1 Maharaja Point (12-month validity; minimum 5,000 RP) |
| Lounge | 8 domestic Visa/year (2/quarter) + Priority Pass (international) |
| Anniversary | 5,000 points/year |
Eligibility & documents
Age
21 to 60 years
Income
Per SBI Card premium norms
Recommended CIBIL
~750+
Network
Visa Signature
Best for
Frequent Air India flyers / ex-Vistara holders
Documents
PAN, Aadhaar, income & address proof
Rewards & Maharaja value
The earning is built for Air India flyers: 10 RP per ₹100 on ticket base fare; 4 RP per ₹100 on eligible spends (not fuel, rent, government or wallet loads), each convertible 1:1 to Maharaja Points (valid 12 months after conversion). The 20,000-point welcome and 5,000 anniversary points add steady value, and lounge access — 8 domestic visits plus Priority Pass for international — suits travellers. Since Vistara’s Club Vistara has merged into Maharaja Club, this card is a natural fit for former Vistara cardholders seeking an Air India co-brand.
Who this card is for
- Best fit: frequent Air India flyers and former Vistara cardholders moving to Maharaja Club.
- Skip if: you rarely fly Air India or prefer a flexible-rewards/cashback card.
How to apply & how to cancel
Apply: via sbicard.com. Cancel: call SBI Card after clearing dues; convert/use Maharaja Points first.
Final verdict
The Air India SBI Signature is a strong airline co-brand for Air India loyalists — accelerated ticket earning, 1:1 Maharaja Points, a useful welcome and solid lounge access justify the ₹4,999 fee for regular flyers. With Vistara now part of Air India, it’s a sensible landing spot for ex-Vistara cardholders; non-flyers will get more from a flexible rewards card.
Frequently asked questions
How many points on Air India tickets?
10 reward points per ₹100 on Air India tickets, and 4 per ₹100 on all other spends.
What are Maharaja Points?
Air India’s loyalty currency. Reward points convert 1:1 to Maharaja Points, valid 12 months after conversion.
What lounge access is included?
8 domestic Visa lounge visits a year (2 per quarter), plus Priority Pass membership (international visits may be chargeable).
Is this a good card for ex-Vistara holders?
Yes — with Vistara merged into Air India and Club Vistara folded into Maharaja Club, it’s a natural successor for Air India flyers.
Data current as of October 2026, cross-checked against SBI Card, Air India official information. Confirm current terms on sbicard.com before applying.