Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
IRCTC SBI Premier wins 6-3. Frequent rail travelers — 10% IRCTC train ticket value back. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | IRCTC SBI Premier | SBI Aurum |
|---|---|---|
| Annual fee | ₹1,499 | · ₹9,999 |
| Joining fee | ₹1,499 | · ₹9,999 |
| Top reward rate | 10% (travel) | · 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 4% | 1.99% |
| Welcome bonus | = 1,500 IRCTC reward points | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹3,500,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4/5 | 4.6/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
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
›IRCTC SBI Premier vs SBI Aurum: which is better?
IRCTC SBI Premier 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 IRCTC SBI Premier 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?
IRCTC SBI Premier: 1,500 IRCTC reward points. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.