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Side-by-Side Comparison|Updated March 2026

Air India SBI Signature Card vs Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAir India SBI Signature CardAxis Bank Vistara Infinite Credit Card
Annual Fee₹4,999₹10,000
Joining Fee₹4,999₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate0.25%3%
Reward CurrencyReward Points / Maharaja PointsMaharaja Club Points
NetworkVisaVisa
Editor Rating7.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Air India SBI Signature Card

No accelerated rewards listed

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Air India SBI Signature Card could be the better pick if its specific category strengths match your spending habits.

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 Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: Air India SBI Signature Card or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Air India SBI Signature Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Air India SBI Signature Card and Axis Bank Vistara Infinite Credit Card?
Air India SBI Signature Card has an annual fee of ₹4,999, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000.
Which card has better rewards: Air India SBI Signature Card or Axis Bank Vistara Infinite Credit Card?
Air India SBI Signature Card offers a base reward rate of 0.25%. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Air India SBI Signature Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Air India SBI Signature Card and Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card?
For beginners, Air India SBI Signature Card may be more approachable with a lower annual fee of ₹4,999. However, evaluate based on your expected spending pattern rather than fee alone.

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