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
YES BANK RESERV Credit Card
Rs 2,499Annual fee
Rs 3,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 3 complimentary domestic lounge visits per quarter for primary cardmember
- Domestic lounge access is subject to a spend threshold of Rs 1,00,000 in the previous calendar quarter.
- 6 complimentary international lounge visits in 12 months for primary and add-on cardmembers
1.75%Forex markup
Best for
premium, travel, lounge, movies, golf
Top rewards
Online spends: 24 YES Rewardz Points / Rs 200 spent; Other retail spends: 12 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 6 YES Rewardz Points / Rs 200 spent
| Feature | AURUM SBI Card | YES BANK RESERV Credit Card |
|---|---|---|
| Issuer | SBI Card | YES Bank |
| Network | Mastercard, Visa | Mastercard, Visa, RuPay |
| Joining fee | Rs 9,999 | Rs 2,499 |
| Annual fee | Rs 9,999 | Rs 2,499 |
| Fee waiver spend | Rs 12,00,000 | Rs 3,00,000 |
| Reward type | reward points | YES Rewardz points |
| Best for | premium, travel, international travel, lounge, movies, forex | premium, travel, lounge, movies, golf |
| Top reward categories | All eligible purchases: 4 Reward Points / Rs 100 spent | Online spends: 24 YES Rewardz Points / Rs 200 spent; Other retail spends: 12 YES Rewardz Points / Rs 200 spent; Select categories (utilities, insurance, education, telecom): 6 YES Rewardz Points / Rs 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 16 | 12 |
| International lounge | Unlimited | 6 |
| Forex markup | 1.99% | 1.75% |
| 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 0.1 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, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |