AU Bank Zenith vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Air India Signature wins 4-2. Air India loyalists — highest miles earn on AI bookings. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | SBI Air India Signature |
|---|---|---|
| Annual fee | · ₹7,500 | ₹4,999 |
| Joining fee | · ₹7,500 | ₹4,999 |
| Top reward rate | 10% (travel) | · 8% (travel) |
| Base reward rate | = 2% | = 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 20,000 Air India reward points |
| Fee waiver threshold | · ₹800,000 / yr | ₹500,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | = 780 | = 780 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›AU Bank Zenith vs SBI Air India Signature: which is better?
SBI Air India Signature wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, SBI Air India Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. SBI Air India Signature: 20,000 Air India reward points.