Question 1

What is the annual fee on the Air India SBI Signature Credit Card and how do you get it waived?

Accepted Answer

The Air India SBI Signature Credit Card charges ₹4,999 plus GST as a joining fee and the same ₹4,999 again at renewal. There is no spend based waiver on this card, so the ₹4,999 is a fixed yearly cost you pay regardless of how much you spend.

Question 2

What is the reward rate on the Air India SBI Signature Credit Card?

Accepted Answer

You earn 10 points per ₹100 on Air India ticket purchases. Everything else earns 4 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹250, which is about 2.5% back.

Question 3

Does the Air India SBI Signature Credit Card give free airport lounge access?

Accepted Answer

The Air India SBI Signature Credit Card charges ₹4,999 plus GST as a joining fee and the same ₹4,999 again at renewal. There is no spend based waiver on this card, so the ₹4,999 is a fixed yearly cost you pay regardless of how much you spend.

Question 4

What changed on the Air India SBI Signature Credit Card recently and is it still worth it in 2026?

Accepted Answer

Air India ticket RP cut 30→10 per ₹100; SBI portfolio changes. The changes are dated Mar 31, 2025. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹4,999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Air India SBI Signature Credit Card

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