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Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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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

FeatureShaurya SBI CardAir India SBI Signature Card
Annual Fee₹250₹4,999
Joining Fee₹250₹4,999
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.0625%0.25%
Reward CurrencyReward PointsReward Points / Maharaja Points
NetworkRuPayVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

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 Shaurya 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 Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

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: Shaurya SBI Card or Air India SBI Signature Card?
Both Shaurya 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 Shaurya SBI Card and Air India SBI Signature Card?
Shaurya SBI Card has an annual fee of ₹250, while Air India SBI Signature Card has an annual fee of ₹4,999. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Air India SBI Signature Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Air India SBI Signature Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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