Head-to-head · 🇮🇳 India
SBI ELITE vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI ELITE
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
SBI ELITE wins 5-3. Mid-premium SBI card with strong club benefits. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI ELITE | SBI Aurum |
|---|---|---|
| Annual fee | ₹4,999 | · ₹9,999 |
| Joining fee | ₹4,999 | · ₹9,999 |
| Top reward rate | · 2% (general) | 4% (general) |
| Base reward rate | · 2% | 4% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 5,000 bonus reward points + ₹5,000 e-gift voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹1,000,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹600,000 | · ₹3,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
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 ELITE vs SBI Aurum: which is better?
SBI ELITE 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 ELITE for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.