Head-to-head · 🇮🇳 India
SBI Aurum vs IndusInd Pinnacle
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 5 of 10
IN
Premium
IndusInd Bank
IndusInd Pinnacle
VISA
Wins 3 of 10
Verdict
SBI Aurum wins 5-3. Invitation-only super-premium SBI metal card. IndusInd Pinnacle is still the right call if high-end indusind offering — niche but well-regarded..
Side-by-side
| Criterion | SBI Aurum | IndusInd Pinnacle |
|---|---|---|
| Annual fee | ₹9,999 | · ₹12,999 |
| Joining fee | ₹9,999 | · ₹12,999 |
| Top reward rate | 4% (general) | · 2.5% (general) |
| Base reward rate | 4% | · 2.5% |
| Forex markup | · 1.99% | 1.8% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = Premium watch + 12,999 reward points |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹1,000,000 / yr |
| Min income | · ₹3,500,000 | ₹2,500,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.6/5 | · 4.4/5 |
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
IndusInd Pinnacle
- 2.5 reward points per ₹100
- Unlimited domestic + 6 international lounge visits/quarter
- BMW Drive privilege
- Concierge + golf at 250+ courses
- 1.8% forex markup
FAQ
›SBI Aurum vs IndusInd Pinnacle: which is better?
SBI Aurum wins on more dimensions (5 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 SBI Aurum for its best categories, IndusInd Pinnacle 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. IndusInd Pinnacle: Premium watch + 12,999 reward points.