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SimplifyCards take: For an SBI card with strong lounge access benefits, the AURUM SBI Card is an excellent choice, though it focuses on premium lifestyle benefits and vouchers rather than direct cashback. This card provides extensive lounge access with 16 complimentary domestic visits and unlimited international lounge access, making it ideal for frequent travellers. Additionally, it offers a low forex markup of 1.99% and milestone benefits like a monthly Tata CLiQ Luxury voucher worth Rs 1,500 on monthly spends of Rs 1 lakh, or a Taj experience voucher worth Rs 10,000 on annual spends of Rs 10 lakh. The card comes with an annual fee of Rs 9,999, which can be waived on annual spends of Rs 12 lakh. As an alternative, the IndiGo SBI Card ELITE offers a good balance for travellers with 8 domestic and 6 international lounge accesses and a similar 1.99% forex markup, for an annual fee of Rs 4,999.
Optimized for premium and travel, featuring low 1.99% forex markup and unlimited airport lounge access.
Optimized for titan and jewellery, featuring complimentary lounge access.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
| Feature | AURUM SBI Card | Titan SBI Card |
|---|
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| IndiGo SBI Card ELITE |
|---|
| Best for | premium, travel, international travel | titan, jewellery, watches | indigo, flights, travel |
| Reward rates | 1% - Base reward rate | 0.8% - Base reward rate upto 1.9% - accelerated reward rate | 2% - Base reward rate upto 7% - accelerated reward rate |
| Annual fee | Rs 9,999 | Rs 2,999 | Rs 4,999 |
| Fee waiver spend | Rs 12 lakhs | Rs 3 lakhs | - |
| Domestic lounge | 16 | 8 | 8 |
| International lounge | Unlimited | 4 | 6 |
| Forex markup | 1.99% | 3.5% | 1.99% |