Head-to-head · 🇮🇳 India
SBI Prime vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
SBI Prime wins 6-3. Step up from SimplyClick with lounge access. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Prime | SBI Aurum |
|---|---|---|
| Annual fee | ₹2,999 | · ₹9,999 |
| Joining fee | ₹2,999 | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 4% (general) |
| Base reward rate | · 1.25% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹480,000 | · ₹3,500,000 |
| Min credit score | 750 | · 800 |
| Editorial rating | · 4.2/5 | 4.6/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
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 Prime vs SBI Aurum: which is better?
SBI Prime 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.