Head-to-head · 🇮🇳 India
ICICI Platinum Chip vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 5 of 10
Verdict
SBI Aurum wins 5-4. Invitation-only super-premium SBI metal card. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | ICICI Platinum Chip | SBI Aurum |
|---|---|---|
| Annual fee | No annual fee | · ₹9,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | · 0.5% (general) | 4% (general) |
| Base reward rate | · 0.5% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = No welcome bonus — fee-free for life | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹200,000 | · ₹3,500,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 3.6/5 | 4.6/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
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 Platinum Chip vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (5 vs 4). 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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.