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Side-by-Side Comparison|Updated March 2026

Adani One ICICI Bank Platinum Credit Card vs SBI Card AURUM

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

Adani One ICICI Bank Platinum Credit Card

7.5/10
Annual Fee₹750
Base Rewards1%
NetworkVisa
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SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
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Feature-by-Feature Comparison

FeatureAdani One ICICI Bank Platinum Credit CardSBI Card AURUM
Annual Fee₹750₹9,999
Joining Fee₹750₹9,999
Fee Waiver Spend₹3,00,000₹12,00,000
Base Reward Rate1%1%
Reward CurrencyAdani Reward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating7.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Adani One ICICI Bank Platinum Credit Card

  • 0% on Adani One Ecosystem
  • 0% on Utility & Insurance

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

Adani One ICICI Bank Platinum Credit Card

Pros

  • 3% reward rate on Adani One ecosystem including flights, hotels, and utility bills.
  • Generous welcome vouchers worth ₹5,000+ including flight and hotel discounts.
  • Unique airport benefits like premium lounge upgrades and porter services.
  • Low annual fee of ₹750 with a reachable waiver threshold of ₹3 Lakhs.

Cons

  • Limited to Adani-managed airports for premium services like valet parking.
  • No international lounge access in the Platinum variant.
  • Reward points are most valuable only when redeemed on the Adani One platform.

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Adani One ICICI Bank Platinum Credit Card if

High rewards on Adani Gas, Electricity, and Adani-managed airport spends.

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Adani One ICICI Bank Platinum Credit Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Adani One ICICI Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Adani One ICICI Bank Platinum Credit Card and SBI Card AURUM?
Adani One ICICI Bank Platinum Credit Card has an annual fee of ₹750, while SBI Card AURUM has an annual fee of ₹9,999. Adani One ICICI Bank Platinum Credit Card offers a fee waiver on ₹3,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Adani One ICICI Bank Platinum Credit Card or SBI Card AURUM?
Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 1% with accelerated rewards on Adani One Ecosystem and Utility & Insurance. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Adani One ICICI Bank Platinum Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Adani One ICICI Bank Platinum Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Adani One ICICI Bank Platinum Credit Card or SBI Card AURUM?
For beginners, Adani One ICICI Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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