Head-to-head · 🇮🇳 India
ICICI MMT Signature vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI MMT Signature
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
ICICI MMT Signature wins 6-3. MakeMyTrip loyalists — co-branded with strong travel benefits. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | ICICI MMT Signature | SBI Aurum |
|---|---|---|
| Annual fee | ₹2,500 | · ₹9,999 |
| Joining fee | ₹2,500 | · ₹9,999 |
| Top reward rate | 6% (travel) | · 4% (general) |
| Base reward rate | · 1.5% | 4% |
| Forex markup | · 2.5% | 1.99% |
| Welcome bonus | = ₹2,500 MMT Black holidays voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹600,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹800,000 | · ₹3,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
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 MMT Signature vs SBI Aurum: which is better?
ICICI MMT Signature wins on more dimensions (6 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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.