Head-to-head · 🇮🇳 India
ICICI Coral vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 4 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | ICICI Coral | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹500 | · ₹4,999 |
| Joining fee | ₹500 | · ₹4,999 |
| Top reward rate | · 1% (general) | 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 20,000 Air India reward points |
| Fee waiver threshold | ₹150,000 / yr | · ₹500,000 / yr |
| Min income | ₹240,000 | · ₹1,200,000 |
| Min credit score | 700 | · 780 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
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
›ICICI Coral vs SBI Air India Signature: which is better?
ICICI Coral wins on more dimensions (5 vs 4). 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 ICICI Coral 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?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. SBI Air India Signature: 20,000 Air India reward points.