ICICI Bank Emeralde Credit Card vs SBI AURUM Credit Card vs SBI ELITE Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹12,000 + GST
₹9,999 + GST
₹4,999 + GST
Renewal Fee
₹12,000 + GST
₹9,999 + GST
₹4,999 + GST
Spend Based Waiver
Annual fee waived on ₹10-15 lakh annual spends; monthly fee waived on ₹1 lakh monthly spends.
Annual fee waived on achieving annual spends of ₹12,00,000 in the previous anniversary year.
Annual renewal fee waived on achieving annual spends of Rs. 10 lakh or more.
Foreign Transaction Fees
2% of the transaction amount (some sources indicate 1.5%).
1.99% of the transaction amount.
1.99% of the transaction amount on international usage.
Interest Rate (APR)
General finance charges: 3.75% or 3.40% per month. Cash advance: 3.75% or 1.99% per month.
3.75% per month (45% per annum).
3.75% Per Month (equivalent to 45% Per Annum).
Rewards & Benefits
Welcome Bonus
American Express Cardholders receive a shopping voucher from TATA CLiQ worth ₹5,000 on their birthday.
40,000 AURUM Reward Points (₹10,000), plus Club Marriott, WSJ, Mint, and IPV memberships.
Welcome e-Gift Voucher worth Rs. 5,000, redeemable across select travel and lifestyle brands.
Rewards Rate
Earn 4 Reward Points on every ₹100 domestic/international spend; 1 RP on Utility/Insurance.
Earn 4 ARP on every ₹100 non-fuel spend (1 ARP = ₹0.25), a 1% reward rate.
5X RPs (10 RPs/Rs.100) on Dining, Dept. Stores, Groceries; 2 RPs/Rs.100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per reward redemption request.
₹99 + applicable taxes per redemption request.
Rs. 99 + GST
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for the primary Cardholder.
4 complimentary domestic lounge accesses per quarter for primary & add-on cardholders + spa access.
2 complimentary Domestic Airport Lounge visits every quarter in India.
International Lounge Access
Unlimited complimentary international airport lounge access for the primary Cardholder.
Unlimited international lounge access via Dreamfolks program, with 1 complimentary guest visit per quarter.
Complimentary Priority Pass membership; 6 international lounge visits/year (max 2/quarter).
Travel Benefits
Unlimited complimentary international and domestic airport lounge access; travel cancellation protection.
Flight cancellation cover of ₹3,500 (refundable) / ₹3,000 (non-refundable), up to 2 times yearly.
Complimentary lounge access, discounts on hotels (Lalit) & car rentals (Hertz, Avis), luxury hotel privileges.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, up to 4 times monthly.
4 complimentary BookMyShow movie tickets (₹250 each) every month, max 2 tickets per booking.
Free movie tickets worth Rs. 6,000 every year (max Rs. 250/ticket, 2 tickets/booking/month).
Dining Benefits
Minimum 15% discount on dining bills at partnered restaurants through the Culinary Treats Programme.
5X RPs on dining. Up to 25% off at partner restaurants & 15% off at Lalit Hotels.
Golf Benefits
Up to 4 complimentary golf rounds or lessons monthly, based on eligible previous month's spends.
16 complimentary golf rounds (4/quarter) and 12 golf lessons per calendar year.
4 complimentary green fees, up to 50% off golf games, 1 free golf lesson/month (Mastercard).
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 at any fuel station across India.
1% waiver (₹500-₹4,000 transactions, max ₹250 waiver/cycle) across all petrol pumps.
1% waiver on fuel (Rs. 500-4000), capped at Rs. 250/month.
Security & Other
Insurance Benefits
₹3 Crore Air Accident Insurance, ₹50,000 Credit Shield, and comprehensive international travel insurance.
₹1 Lakh travel insurance, ₹3.5 Crore air accidental death, ₹10 Lakh lost card & fraud protection.
Complimentary Rs. 1 lakh fraud liability cover. Air accident cover (Rs. 1 Cr) discontinued 15 July 2025.
Cash Advance Charges
Nil cash advance charges, but interest rates apply immediately from the transaction date.
2.50% of withdrawn amount, minimum charge of ₹500.
2.5% of transaction amount, subject to a minimum charge of Rs. 500.