Head-to-head · 🇮🇳 India
SBI Prime vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 4 of 10
Verdict
SBI Prime wins 5-4. Step up from SimplyClick with lounge access. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | SBI Prime | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹2,999 | · ₹4,999 |
| Joining fee | ₹2,999 | · ₹4,999 |
| Top reward rate | · 5% (shopping) | 8% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = 20,000 Air India reward points |
| Fee waiver threshold | ₹300,000 / yr | · ₹500,000 / yr |
| Min income | ₹480,000 | · ₹1,200,000 |
| Min credit score | 750 | · 780 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
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
›SBI Prime vs SBI Air India Signature: which is better?
SBI Prime 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 SBI Prime 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?
SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). SBI Air India Signature: 20,000 Air India reward points.