Air India SBI Signature Card Review

SBI has collaborated with Air India to come up with a credit card for frequent flyers on Air India. This is a platinum card that has numerous benefits for people who travel a lot. The perks that come with this card is good and it solely depends on how frequently the person travels. Benefits include special rates on booking tickets, joining points etc. You can also make purchases with this card and earn reward points which can be redeemed for ticket purchases with Air India. Let's take a look at the features, benefits and pros and cons of this card.

Air India SBI Signature Card Benefits

On joining you get a 20000 reward points as a welcome gift. Annual membership with Air India Frequent Flyer Program-Flying. For every 100 spent you get 4 reward points. Get every year 5000 reward points on renewal. 20 reward points for every 100 spent on Air India tickets. If you have an annual spending of 3-4.9 lakh Rs you gain 20000 points and 5 lakh Rs and more  you get 40000 points. More than 10 lakhs you get around 90000 points. You get a fuel surcharge of 2.5% across all petrol pumps. You can also get a complimentary credit card fraud liability cover of Rs. 1 Lakh Travels can also get access to VISA premium airport lounges across the world.

Air India SBI Signature Card Fees & Charges

Joining Fees	Up to Rs. 4999
Credit Period	20-50 days provided earlier months is completely paid.
Interest Charge	Up to 3.35% p.m. (40.2% p.a.) from the transaction date

Air India SBI Signature Card Eligibility

The cardholder must be 21 years and above with income proof. Documents Xerox of ID proof Xerox of Income proof Xerox of address proof One passport size photograph

Air India SBI Signature Card Pros

The card is apt for business professionals whose job requires a lot of travel (I mean a lot!). The joining reward point of 20000 is pretty welcoming and can be beneficial for adding up the reward points as and when purchase is made. In India Air India is one of the most frequently opted flight for travel and the card gives special benefits for booking tickets with them. You can also get access to lounges which is much needed for every travel. For annual spending reward points are given which is also pretty beneficial for the cardholders.

Air India SBI Signature Card Cons

The annual charges is pretty high. For those cardholders who do not have much travel plans it can be of very little use. If you compare with similar travel related cards offered by HDFC or Citibank they might come with lower annual charges. And from what I know, business travelers prefer fancier flights and wouldn't prefer Air India most of the time. So, there is a disconnect between whom this is intended for and who actually prefers Air India. May be, this is a good credit card for the business traveler who is an ardent Air India fan and would like to get preferential rates.