AURUM SBI 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 / Rs 100 spent
ICICI Bank 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 / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 100 spent
| Feature | AURUM SBI Card | ICICI Bank 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 / Rs 100 spent | International spends: 4 Reward Points / Rs 100 spent; Utility & Insurance spends: 1 Reward Point / Rs 100 spent; Other spends: 4 Reward Points / Rs 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 Rs 1,500 on monthly spends of Rs 1 lakh, Tata CLiQ Luxury voucher worth Rs 5,000 on annual spends of Rs 5 lakh, Taj experience voucher worth Rs 10,000 on annual spends of Rs 10 lakh, Apple voucher worth Rs 20,000 on annual spends of Rs 20 lakh | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.1667 per point; Statement credit: upto Rs 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 |