AIR India SBI Signature Card

Renewal feeJoining fee

₹4,999 + GST

Add-on card fee

₹0

Welcome benefit

20,000 reward points on payment of Joining Fee · Complimentary membership of Air India Maharaja Club - Air India Maharaja Points.

Reward rate

4 Reward points per ₹100 · everyday spends4 Reward points for every ₹100 spent.

Travel earning

10 Reward Points per ₹100 spent on Air India tickets.

Reward exclusions

Reward Points will not be applicable on Rent Payments.

Points transfer redemption

Reward Points are converted to Air India Maharaja Points within 7 working days of request; once converted, they cannot be reversed

Airline and hotel partners points may move to

1 Reward = 1 Air India Maharaja point.

Point expiry

24 months

Smallest number of points that can be redeemed

Minimum of 5,000 points, in multiples of 5,000

Domestic lounge access

8 Complimentary domestic lounge visits per year (max. 2 per quarter).

Priority Pass

Complimentary membership to Priority Pass Program worth $99.

Milestone benefits

20,000 bonus Reward points on annual spends of ₹5 lakhs 30,000 bonus Reward points on annual spends of ₹10 lakhs 50,000 bonus Reward points on annual spends of ₹20 lakhs.

Renewal benefit

Anniversary gift of 5,000 Reward points every year

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Lost card liability

Complimentary Lost card liability cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks' credit cards to this card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay EMI on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash withdrawal limit

₹15,000 per day on ATM withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil to ₹1,300

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Charge for lounge visits beyond the free limit

$27 usage fee charged for Priority pass lounges.

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99, applicable only on physical product and on vouchers that are sent physically

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 + Applicable Taxes per transaction

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

GST rate of 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Remaining Balance Outstanding or ₹200, whichever is greater