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SimplifyCards take: AURUM SBI Card looks like the best fit. It stands out because milestone value adds about Rs 2,500 and joining and renewal benefits add about Rs 5,000 per year.
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.
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Spend level changes whether premium cards are worth the fee.
| Feature | AURUM SBI Card | Titan SBI Card | 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% |