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SBI Card · SBI Card
Air India Signature vs IRCTC Premier
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
56composite score
82% rule confidence
82% rule confidence
Winner
43composite score
95% rule confidence
95% rule confidence
Annual fee
₹4,999
₹1,500
Network
Visa
RuPay
Base reward rate
4%
0.8%
Min. income (monthly)
—
—
Min. credit score
—
—
Best for
Everyday spends
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Air India Signature edges out for most wallets.
- Better base rate, 4% vs 0.8% on everything outside a bonus bucket.
Composite score
Air India Signature56
IRCTC Premier43
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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