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| Feature | SBI Card SBI Card ELITE | SBI Card AURUM Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹4,999 + GST per year | ₹9,999 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹12,00,000 annual spending |
| Base reward rate | 0.5% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2.5% · Dining and grocery bonus | 1% · Eligible AURUM Reward Points |
| Groceries & essentials | 2.5% · Dining and grocery bonus | 1% · Eligible AURUM Reward Points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year | 16 domestic airport lounge visits per year • Unlimited international airport lounge visits |
| Forex markup | 2.0% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. | High-income frequent travellers who can use premium privileges every month and clear the fee waiver. |
| Main trade-off | The ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. | The ₹9,999 fee plus GST is waived only at ₹12 lakh annual spend. Rent, wallet, fuel, EMI and digital-gaming transactions earn no points, and lifestyle privileges are not added to ranking unless usage can be proven. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
