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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureDelhi Metro SBI CardAir India SBI Signature Card
Annual Fee₹499₹4,999
Joining Fee₹499₹4,999
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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

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

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or Air India SBI Signature Card?
Both Delhi Metro SBI Card and Air India SBI Signature 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 Delhi Metro SBI Card and Air India SBI Signature Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Air India SBI Signature Card has an annual fee of ₹4,999. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or Air India SBI Signature Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or Air India SBI Signature Card?
For beginners, Delhi Metro SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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