{
  "id": "sbi-air-india",
  "locale": "hinglish",
  "name": "Air India SBI Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹4,999 + GST",
  "loungeAccess": "8 Domestic & 4 International Lounges / year",
  "rewardsRate": "Air India par 30 points / ₹100 · 4 points / ₹100 general retail · 20,000 welcome miles · 12 lounges",
  "bestFor": "Frequent domestic & international Air India flyers, Star Alliance award tickets & luxury travel",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/air-india-sbi-signature-card.html",
  "aiVerdict": {
    "score": 3.3,
    "summary": "Its strong reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹4999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 4,
  "affiliateId": "sbi-air-india",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card & Air India — Signature Card schedule of charges",
    "Air India Maharaja Club & SBI Card — 30% flight reward multipliers and milestone terms"
  ],
  "feeWaiver": "Koi fee waiver nahi (20,000 Air India Points ka renewal gift fee offset karta hai)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Air India Tickets",
      "value": "30 pts / ₹100 (30% Valueback)"
    },
    {
      "key": "General Spends",
      "value": "4 pts / ₹100 (4.0% Return)"
    },
    {
      "key": "Welcome Gift",
      "value": "20,000 Air India Miles (₹20k)"
    },
    {
      "key": "Milestone Flights",
      "value": "Up to 1,00,000 Bonus Miles"
    },
    {
      "key": "Global Lounges",
      "value": "8 Domestic + 4 Intl"
    },
    {
      "key": "Annual Fee",
      "value": "₹4,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Air India Ticket Bookings (Self)",
      "rate": "30.0% (30 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "30,000 Air Miles (₹30,000 flight value)"
    },
    {
      "category": "Air India Ticket Bookings (Others)",
      "rate": "10.0% (10 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Air Miles (₹10,000 flight value)"
    },
    {
      "category": "All Other Domestic & Intl Retail",
      "rate": "4.0% (4 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 Air Miles (₹4,000 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Air India Official Channels",
      "multiplier": "30×",
      "rate": "30.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "30 points per ₹100 on airindia.com."
    },
    {
      "channel": "Annual Spend Milestones",
      "multiplier": "Milestone",
      "rate": "Up to 1,00,000 Miles",
      "monthlyCap": "Annual milestones",
      "dailyCap": "—",
      "note": "20k on ₹5L + 20k on ₹10L + 50k on ₹20L."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Air India Award Flight Tickets",
      "value": "₹1.00 / Point (1:1 Air Mile)",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Taxes only",
      "isBest": true
    },
    {
      "route": "Star Alliance Partner Award Flights",
      "value": "₹1.00–₹1.50 / Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "Taxes only",
      "isBest": true
    },
    {
      "route": "Cabin Class Upgrades",
      "value": "₹1.00 / Point",
      "minPoints": "1,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹4,999 + GST (20,000 Air India Points = ₹20,000 welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,999 + GST (20,000 Air India Points on renewal)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.0 Lakh+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}