Head-to-head · 🇮🇳 India
SBI Cashback vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 2 of 10
Verdict
SBI Cashback wins 6-2. Pure online cashback — 5% on any online merchant, no partner restrictions. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Cashback | SBI Aurum |
|---|---|---|
| Annual fee | ₹999 | · ₹9,999 |
| Joining fee | ₹999 | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = 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 | 750 | · 800 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
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
›SBI Cashback vs SBI Aurum: which is better?
SBI Cashback wins on more dimensions (6 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 Cashback for online shopping, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.