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SimplifyCards take: While you mentioned cashback, none of the shortlisted SBI cards offering lounge access are primarily cashback cards. For an SBI card with lounge access and a relatively low annual fee, the **Titan SBI Card** is a strong option with an annual fee of ₹2,999. It provides 8 complimentary domestic lounge access visits and 4 international lounge access visits per year, making it suitable for travel. Its primary benefits are geared towards Titan, Tanishq, CaratLane, and Mia brands. A nearby alternative is the IndiGo SBI Card ELITE, which offers 8 domestic and 6 international lounge accesses for an annual fee of ₹4,999, if you frequently fly IndiGo.
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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| 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% |