SBI Air India Signature Credit Card vs ICICI Emirates Skywards Sapphiro Credit Card: premium cards compared
SBI Air India Signature Credit Card costs ₹4,999 a year to keep; ICICI Emirates Skywards Sapphiro Credit Card costs ₹5,000. On most spends, SBI Air India Signature Credit Card returns about 2.00% and ICICI Emirates Skywards Sapphiro Credit Card about 1.27%. Lounge visits: SBI Air India Signature Credit Card gives 8 a year in India and None abroad; ICICI Emirates Skywards Sapphiro Credit Card gives 2 a year and 2 a year. The income needed to apply is ₹7,20,000 a year for SBI Air India Signature Credit Card and ₹18,00,000 for ICICI Emirates Skywards Sapphiro Credit Card.
| SBI Air India Signature Credit Card | ICICI Emirates Skywards Sapphiro Credit Card | |
|---|---|---|
| Issuer | SBI Card | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | ₹4,999 | ₹5,000 |
| Annual fee | ₹4,999 | ₹5,000 |
| Base return on spends | 2.00% | 1.27% |
| Domestic lounges | 8 a year | 2 a year |
| International lounges | None | 2 a year |
| Minimum income | ₹7,20,000 a year | ₹18,00,000 a year |
| Best for | flights, travel | travel |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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