Head-to-head · 🇮🇳 India
ICICI Sapphiro vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
ICICI Sapphiro wins 5-4. Mid-premium with strong dining + travel mix. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | ICICI Sapphiro | SBI Aurum |
|---|---|---|
| Annual fee | ₹3,500 | · ₹9,999 |
| Joining fee | ₹6,500 | · ₹9,999 |
| Top reward rate | · 1% (general) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹600,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,000,000 | · ₹3,500,000 |
| Min credit score | 780 | · 800 |
| Editorial rating | · 4.3/5 | 4.6/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
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 Sapphiro vs SBI Aurum: which is better?
ICICI Sapphiro 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.