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Side-by-Side Comparison|Updated March 2026

Air India SBI Signature Card vs Axis Bank Aura Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAir India SBI Signature CardAxis Bank Aura Credit Card
Annual Fee₹4,999₹749
Joining Fee₹4,999₹749
Fee Waiver SpendN/AN/A
Base Reward Rate0.25%0.2%
Reward CurrencyReward Points / Maharaja PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Air India SBI Signature Card

No accelerated rewards listed

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

Both Air India SBI Signature Card and Axis Bank Aura Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: Air India SBI Signature Card or Axis Bank Aura Credit Card?
Both Air India SBI Signature Card and Axis Bank Aura Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Air India SBI Signature Card and Axis Bank Aura Credit Card?
Air India SBI Signature Card has an annual fee of ₹4,999, while Axis Bank Aura Credit Card has an annual fee of ₹749.
Which card has better rewards: Air India SBI Signature Card or Axis Bank Aura Credit Card?
Air India SBI Signature Card offers a base reward rate of 0.25%. Axis Bank Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both Air India SBI Signature Card and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Air India SBI Signature Card and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Air India SBI Signature Card or Axis Bank Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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