Head-to-head · 🇮🇳 India
SBI Aurum vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 5 of 10
IN
Premium
Axis Bank
Axis Reserve
VISA
Wins 4 of 10
Verdict
SBI Aurum wins 5-4. Invitation-only super-premium SBI metal card. Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | SBI Aurum | Axis Reserve |
|---|---|---|
| Annual fee | ₹9,999 | · ₹50,000 |
| Joining fee | ₹9,999 | · ₹50,000 |
| Top reward rate | · 4% (general) | 5% (general) |
| Base reward rate | · 4% | 5% |
| Forex markup | · 1.99% | No FX fee |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹1,500,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹3,500,000 | · ₹5,000,000 |
| Min credit score | 800 | · 820 |
| Editorial rating | · 4.6/5 | 4.7/5 |
Benefits compared
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
Axis Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›SBI Aurum vs Axis Reserve: 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 SBI Aurum for its best categories, Axis Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. Axis Reserve: 50,000 EDGE points + Taj Epicure membership.