Air India SBI Signature Card

SBI Card · Closed to new applicants

A closed premium Air India co-brand card for existing holders: 4 reward points per ₹100, 10 points per ₹100 on Air India tickets since 31 Mar 2025 (30 before), 1:1 conversion to Air India Maharaja Points, 20,000 welcome points, spend bonuses up to ₹20 lakh and eight domestic lounge visits plus Priority Pass a year.

Annual fee
₹4,999 + GST a year
Joining fee
₹4,999 + GST
Base rate
4 reward points per ₹100 on all other spends: 4 SBI Card Reward Points per ₹100 (about 3.6% at cash value)
Lounges
Domestic: 8 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 10 reward points per ₹100 on Air India tickets: 10 SBI Card Reward Points per ₹100 (about 9% at cash value)

Earns nothing on

  • No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads (MCCs 6540, 6541)
  • No points on cash advances and balance transfers
  • No points on Flexipay and Merchant EMI
  • No points on rent (MCC 6513)
  • No points on government-related transactions (MCCs 9399, 9311)

Where the sources disagree

  • Reward point lifetime and closure: The Shop & Smile T&C gives points 24 months from the month of accrual and 30 days after voluntary closure; the card T&C gives two enrolment years and 6 months after closure. The expiry is described in both words.

Terms the calculator does not value

  • Statement credit and Shop & Smile catalogue redemption exist for Air India cards, but no value per point is stated for this card. From 1 Apr 2026 statement credit is only in multiples of 4,000 points and up to 60,000 points a month (the Signature card is exempt from the 60,000-point cap but not from the multiples of 4,000).
  • Maharaja Points are worth what an Air India award costs; our value is an estimate. Points moved to Air India are valid 12 months.

Sources

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