ICICI Bank Emeralde Credit Card VS SBI AURUM Credit Card VS SBI ELITE Credit Card
Comparing 3 cards side by side: ICICI Bank Emeralde Credit Card, SBI AURUM Credit Card, SBI ELITE Credit Card. ICICI Bank Emeralde Credit Card costs ₹12,000 + GST and earns 4 Reward Points on every ₹100 domestic/international spend; 1 RP on Utility/Insurance. SBI AURUM Credit Card costs ₹9,999 + GST and earns 4 ARP on every ₹100 non-fuel spend (1 ARP = ₹0.25), a 1% reward rate. SBI ELITE Credit Card costs ₹4,999 + GST and earns 5X RPs (10 RPs/Rs.100) on Dining, Dept. Stores, Groceries; 2 RPs/Rs.100 on other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
ICICI Bank Emeralde Credit Card
SBI AURUM Credit Card
SBI ELITE Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy unlimited complimentary access to both domestic and international airport lounges.
Benefit from up to 4 complimentary golf rounds or lessons monthly based on spends.
Get significant discounts on movie tickets via BookMyShow, up to 4 times every month.
Offers comprehensive insurance coverage including ₹3 crore air accident insurance.
Features a competitive 2% foreign currency markup, ideal for international travelers.
Pros
Key benefits and features.
Generous welcome benefit of 40,000 Reward Points worth ₹10,000.
Valuable complimentary memberships (Club Marriott, WSJ, Mint, IPV).
Attractive milestone benefits with premium gift vouchers from Tata CLiQ Luxury, Taj, and Apple.
Extensive golf privileges with complimentary rounds and lessons.
Strong travel benefits including unlimited international lounge access and flight cancellation cover.
Pros
Key benefits and features.
The SBI ELITE Credit Card offers generous welcome benefits, including a ₹5,000 e-Gift Voucher.
Enjoy comprehensive lounge access with 2 domestic visits quarterly and 6 international visits annually.
The card provides extensive privileges across travel, dining, and shopping, making it a versatile choice.
Annual fee waiver on ₹10 lakhs annual spend is achievable for high spenders, offsetting the cost.
Excellent travel and lifestyle privileges cater perfectly to frequent travelers and luxury enthusiasts.
Cons
Key drawbacks and limitations.
The card carries a high joining and annual fee of ₹12,000 + GST, which can be substantial.
Reward point value is relatively low at ₹0.25 per point, offering a 1% return on general spends.
Eligibility for movie benefits requires a minimum spend of ₹25,000 in the preceding quarter.
Concierge services are geographically limited to only New Delhi, Mumbai, Bengaluru, and Chennai.
Welcome benefits are specific to American Express variant and are a birthday benefit.
Cons
Key drawbacks and limitations.
The basic reward rate of 1% is modest for a super-premium card with a high annual fee.
Several previously offered subscriptions like Amazon Prime and Zomato Gold have been discontinued.
The card's value proposition diminishes for users who manage multiple cards and distribute spends.
Cons
Key drawbacks and limitations.
The general reward rate of 0.5% on most spends is lower than some competing premium cards.
The high annual fee of ₹4,999 can be a drawback if the spend-based waiver condition is not met.
Add-on cardholders do not receive international lounge access, limiting benefits for family members.
The accelerated 10X reward points are capped monthly, limiting high earners from maximizing benefits.