Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
IDFC FIRST Wealth wins 6-3. Lifetime-free premium — best zero-fee card in India. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | IDFC FIRST Wealth | SBI Aurum |
|---|---|---|
| Annual fee | No annual fee | · ₹9,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | · 3% (general) | 4% (general) |
| Base reward rate | · 3% | 4% |
| Forex markup | 1.5% | · 1.99% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹3,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | 4.7/5 | · 4.6/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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
›IDFC FIRST Wealth vs SBI Aurum: which is better?
IDFC FIRST Wealth 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 IDFC FIRST Wealth 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?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.