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 (Annual Plan) or ₹1,000 + GST (Monthly Plan)
Rs. 9,999 + GST
₹4,999 + GST
Renewal Fee
₹12,000 + GST (Annual Plan) or ₹1,000 + GST (Monthly Plan)
Rs. 9,999 + GST
₹4,999 + GST
Spend Based Waiver
Annual fee waiver on ₹15L annual spend; monthly fee waiver on ₹1L monthly spend.
Annual fee waived on achieving annual spends of Rs. 12,00,000 in previous year.
Renewal fee waived on annual spends of ₹10 lakh or more in the preceding year.
Foreign Transaction Fees
Reduced foreign currency markup of 1.5% on international transactions.
1.99% of the transaction amount.
1.99% of the transaction amount.
Interest Rate (APR)
Finance charges 3.4% p.m. (40.8% p.a.). ATM cash withdrawal interest 1.99% p.m.
3.75% per month (45% per annum).
3.75% per month (45% per annum).
Rewards & Benefits
Welcome Bonus
₹5,000 TATA CLiQ shopping voucher on birthday (for AmEx Cardholders).
40,000 Reward Points (worth ₹10,000) & 1-year memberships to Club Marriott, WSJ, Mint.
Gift voucher worth ₹5,000 from brands like Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop.
Rewards Rate
Earn 4 RP/₹100 on retail, 1 RP/₹100 on utilities & insurance.
Earn 4 Reward Points for every Rs. 100 spent (1% reward rate).
Earn 10 RPs per ₹100 on dining, grocery, departmental stores (capped); 2 RPs on all other spends.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST per rewards redemption request.
Rs. 99 plus applicable taxes per redemption request.
₹99 + GST applies for rewards redemption.
Travel & Lifestyle
Domestic Lounge Access
Unlimited complimentary domestic airport lounge access for primary cardholder.
4 complimentary domestic airport lounge access per quarter for primary & add-on cardholders.
2 complimentary visits to domestic airport lounges every quarter via Visa/MasterCard/AmEx networks.
International Lounge Access
Unlimited complimentary international airport lounge access for primary cardholder.
Unlimited international airport lounge access with Dreamfolks membership + 1 guest visit quarterly.
6 complimentary international lounge visits per year (max 2 per quarter) with Priority Pass for primary.
Travel Benefits
No cancellation fees on domestic flights/hotels (up to ₹12K/year). Low 1.5% forex markup.
Complimentary Spa access quarterly. Flight cancellation cover of up to Rs. 3,500/ticket.
Complimentary lounge access, hotel/car rental discounts, exclusive privileges at luxury hotels.
Movie Benefits
Buy one get one up to ₹750 off on movie/event tickets via BookMyShow, 4 times monthly.
4 complimentary BookMyShow movie tickets every month, each capped at Rs. 250.
Complimentary/discounted movie tickets up to ₹6,000 per year (max ₹250/ticket, 2 tickets per booking).
Dining Benefits
Min. 15% discount on dining bills at partnered restaurants under Culinary Treats Programme.
Not Applicable
Dining offers with up to 25% discount at partner restaurants (American Express variant only).
Golf Benefits
1 free golf round/lesson monthly on ₹50K spend, up to 4 rounds/lessons per month.
16 complimentary golf rounds & 12 golf lessons per calendar year.
4 complimentary green fees, up to 50% off on games, 1 free lesson/month (MasterCard variant only).
Fuel Surcharge Waiver
1% fuel surcharge waiver (up to ₹4,000/transaction) at all fuel stations.
1% fuel surcharge waiver at all fuel stations across India.
1% waiver on transactions between ₹500-₹4,000 (max ₹250/month).
Security & Other
Insurance Benefits
₹3 Cr Air Accident, ₹50K Credit Shield, International Travel (Baggage, flight delay).
Travel insurance (₹1L flight delay/baggage) & Lost Card/Fraud Protection (₹10L).
Complimentary lost card liability cover worth ₹1 lakh (48 hrs prior to 7 days after reporting).
Cash Advance Charges
Nil fee, but 1.99% p.m. interest on ATM cash withdrawals.
2.50% of withdrawn amount, minimum Rs. 500.
2.5% of transaction amount, minimum ₹500.