SBI Air India Signature vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI IRCTC Premier wins 6-3. Heavy IRCTC train booking users. 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 | SBI IRCTC Premier |
|---|---|---|
| Annual fee | · ₹4,999 | ₹1,499 |
| Joining fee | · ₹4,999 | ₹1,499 |
| Top reward rate | · 8% (travel) | 10% (travel) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 20,000 Air India reward points | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹500,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 780 | 740 |
| Editorial rating | 4.3/5 | · 3.9/5 |
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
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›SBI Air India Signature vs SBI IRCTC Premier: which is better?
SBI IRCTC Premier wins on more dimensions (6 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, SBI IRCTC Premier 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. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.