AURUM Credit Card
Rs 9,999Annual fee
Rs 12,00,000Fee waiver spend
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic airport lounge visits per year, capped at 4 visits per quarter
- Unlimited complimentary international airport lounge access with DreamFolks membership
1.99%Forex markup
Best for
Premium, Travel, International Travel, Lounge, Movies, Forex
Top rewards
All Eligible Purchases: 4 Reward Points / ₹100 spent
Emeralde Credit Card
Rs 12,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
2%Forex markup
Best for
Premium, Travel, Lounge, Golf, Movies
Top rewards
International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Other Spends: 4 Reward Points / ₹100 spent
| Feature | AURUM Credit Card | Emeralde Credit Card |
|---|---|---|
| Issuer | SBI Card | ICICI Bank |
| Network | Mastercard, Visa | Mastercard, American Express |
| Joining fee | Rs 9,999 | Rs 12,000 |
| Annual fee | Rs 9,999 | Rs 12,000 |
| Fee waiver spend | Rs 12,00,000 | Rs 10,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Premium, Travel, International Travel, Lounge, Movies, Forex | Premium, Travel, Lounge, Golf, Movies |
| Top reward categories | All Eligible Purchases: 4 Reward Points / ₹100 spent | International Spends: 4 Reward Points / ₹100 spent; Utility & Insurance Spends: 1 Reward Point / ₹100 spent; Other Spends: 4 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 1.99% | 2% |
| Milestone benefits | Monthly Tata CLiQ Luxury voucher worth ₹1,500 on monthly spends of ₹1 lakh, Tata CLiQ Luxury voucher worth ₹5,000 on annual spends of ₹5 lakh, Taj experience voucher worth ₹10,000 on annual spends of ₹10 lakh, Apple voucher worth ₹20,000 on annual spends of ₹20 lakh | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel spends, cash advances, balance transfers, wallet loading transactions, rent payments, government services spends | Fuel transactions, Rent payments, E-wallet loading transactions, Government transactions, Tax payments, EMI transactions |