SBI Air India Signature vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 4-3. India's first customizable card — choose your perks each month. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | SBI Air India Signature | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹4,999 | No annual fee |
| Joining fee | · ₹4,999 | None |
| Top reward rate | 8% (travel) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 20,000 Air India reward points | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹500,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 780 | 730 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
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
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›SBI Air India Signature vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (4 vs 3). 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 SBI Air India Signature for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Air India Signature: 20,000 Air India reward points. AU Bank LIT: Customizable card features (toggle benefits on/off).