Head-to-head · 🇮🇳 India
SBI Aurum vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 6 of 10
Verdict
SBI IRCTC Premier wins 6-3. Heavy IRCTC train booking users. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Aurum | SBI IRCTC Premier |
|---|---|---|
| Annual fee | · ₹9,999 | ₹1,499 |
| Joining fee | · ₹9,999 | ₹1,499 |
| Top reward rate | · 4% (general) | 10% (travel) |
| Base reward rate | 4% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹200,000 / yr |
| Min income | · ₹3,500,000 | ₹300,000 |
| Min credit score | · 800 | 740 |
| Editorial rating | 4.6/5 | · 3.9/5 |
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
SBI IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›SBI Aurum vs SBI IRCTC Premier: which is better?
SBI IRCTC 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 SBI Aurum for its best categories, SBI IRCTC 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. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.