ICICI Emeralde Private Metal vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Aurum wins 4-3. Invitation-only super-premium SBI metal card. ICICI Emeralde Private Metal is still the right call if high-net-worth families wanting universal 6 icici points/₹100..
Side-by-side
| Criterion | ICICI Emeralde Private Metal | SBI Aurum |
|---|---|---|
| Annual fee | · ₹12,499 | ₹9,999 |
| Joining fee | · ₹12,499 | ₹9,999 |
| Top reward rate | 6% (general) | · 4% (general) |
| Base reward rate | 6% | · 4% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = Taj Epicure / EazyDiner Prime / Times Prime annual membership | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | = ₹1,500,000 / yr | = ₹1,500,000 / yr |
| Min income | · ₹5,000,000 | ₹3,500,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.8/5 | · 4.6/5 |
Benefits compared
ICICI Emeralde Private Metal
- Unlimited domestic + international lounge access for self & guest
- 6 reward points per ₹100 across all categories
- Taj Epicure annual membership included
- 24x7 concierge + Golf privileges
- 2% forex markup
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›ICICI Emeralde Private Metal vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Emeralde Private Metal for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Emeralde Private Metal: Taj Epicure / EazyDiner Prime / Times Prime annual membership. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.