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Union Bank Nexteria (RuPay Ekaa) vs SBI Air India Signature

Compare Union Bank Nexteria (RuPay Ekaa) vs SBI Air India Signature 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 has the strongest mix of rewards and low fees in this comparison.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

SBI Air India Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.7.0
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • 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

Best when annual benefits are actively redeemed.

Full card details
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
Metric
Union Bank Nexteria (RuPay Ekaa)
SBI Air India Signature
Fees
Annual fee
₹12,499
₹2,999
Joining fee
₹12,499
₹2,999
Rewards
Cashback rate
1%
1%
Reward rate
1%
4%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
Unlimited
6
International lounges
Unlimited
4
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹25,00,000
₹9,00,000

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