Craydit Logo

SBI Air India Signature vs SBI IRCTC Platinum

Compare SBI Air India Signature vs SBI IRCTC Platinum across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

SBI Air India Signature leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

SBI Air India Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.0

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4
SBI Air India Signature Credit Card
Balanced value7.0

sbi / VISA

SBI Air India Signature

Annual

₹2,999

Return

4%

Lounges

10

Forex

3.5%

Card summary
  • SBI Air India Signature leans travel and lifestyle with ₹2,999 annual fee, 4% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
SBI IRCTC Platinum - SBI credit card
Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
SBI Air India Signature
SBI IRCTC Platinum
Fees
Annual fee
₹2,999
₹499
Joining fee
₹2,999
₹499
Rewards
Cashback rate
1%
1%
Reward rate
4%
2%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
6
2
International lounges
4
0
Benefits
Fuel waiver
Yes
Yes
Dining
No
No
Movies
No
No
Eligibility
Minimum income
₹9,00,000
₹2,00,000

Top Credit Card Comparison Links

Compare more cards

Popular comparison pairs to continue exploring similar card matchups.

HDFC Regalia Gold vs SBI Air India SignatureAxis Atlas vs SBI Air India SignatureAU Zenith Plus vs SBI Air India SignatureRBL Insignia vs SBI Air India SignatureICICI Emirates Skywards Emerald vs SBI Air India SignatureHDFC Regalia Gold vs SBI IRCTC PlatinumAxis Atlas vs SBI IRCTC PlatinumAU Zenith Plus vs SBI IRCTC PlatinumRBL Insignia vs SBI IRCTC PlatinumICICI Emirates Skywards Emerald vs SBI IRCTC Platinum