Head-to-head · 🇮🇳 India
SBI Aurum vs HSBC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 5 of 10
IN
Premium
HSBC
HSBC Premier
Wins 2 of 10
Verdict
SBI Aurum wins 5-2. Invitation-only super-premium SBI metal card. HSBC Premier is still the right call if hsbc premier banking clients — no annual fee with relationship..
Side-by-side
| Criterion | SBI Aurum | HSBC Premier |
|---|---|---|
| Annual fee | · ₹9,999 | No annual fee |
| Joining fee | · ₹9,999 | None |
| Top reward rate | 4% (general) | · 3% (travel) |
| Base reward rate | 4% | · 1% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = 40,000 reward points on Premier banking opening |
| Fee waiver threshold | ₹1,500,000 / yr | · N/A (no fee) |
| Min income | ₹3,500,000 | · ₹4,000,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.6/5 | · 4.5/5 |
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
HSBC Premier
- 3 reward points per ₹100 on travel + dining
- 1 reward point per ₹100 on others
- Free for HSBC Premier clients (₹40L+ relationship)
- Unlimited international lounge visits via LoungeKey
- 1.99% forex markup
- Worldwide travel + emergency assistance
FAQ
›SBI Aurum vs HSBC Premier: which is better?
SBI Aurum wins on more dimensions (5 vs 2). 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, HSBC Premier 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. HSBC Premier: 40,000 reward points on Premier banking opening.