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Side-by-Side Comparison|Updated March 2026

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

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

Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Infinite Credit CardAir India SBI Signature Card
Annual Fee₹10,000₹4,999
Joining Fee₹10,000₹4,999
Fee Waiver SpendN/AN/A
Base Reward Rate3%0.25%
Reward CurrencyMaharaja Club PointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

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.

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).

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 Axis Bank Vistara Infinite Credit Card if

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

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.

Frequently Asked Questions

Which is better: Axis Bank Vistara Infinite Credit Card or Air India SBI Signature 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 Axis Bank Vistara Infinite Credit Card and Air India SBI Signature Card?
Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000, while Air India SBI Signature Card has an annual fee of ₹4,999.
Which card has better rewards: Axis Bank Vistara Infinite Credit Card or Air India SBI Signature Card?
Axis Bank Vistara Infinite Credit Card offers a base reward rate of 3% with accelerated rewards on Vistara/Air India Bookings. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Vistara Infinite Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Infinite Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Vistara Infinite Credit Card or Air India SBI Signature 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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