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Side-by-Side Comparison|Updated March 2026

ICICI Bank NRI Sapphiro 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

ICICI Bank NRI Sapphiro Credit Card

8/10
Annual Fee₹3,500
Base Rewards0.5%
NetworkMastercard
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SBI Card

SBI Card AURUM

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

FeatureICICI Bank NRI Sapphiro Credit CardSBI Card AURUM
Annual Fee₹3,500₹9,999
Joining Fee₹6,500₹9,999
Fee Waiver Spend₹6,00,000₹12,00,000
Base Reward Rate0.5%1%
Reward CurrencyICICI Bank Reward PointsAURUM Reward Point
NetworkMastercardVisa
Editor Rating8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank NRI Sapphiro Credit Card

  • 0% on International Spends

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

ICICI Bank NRI Sapphiro Credit Card

Pros

  • High welcome voucher value (up to ₹13,000) exceeding the joining fee.
  • Accelerated rewards on international spends (4 RP per ₹100).
  • Complimentary golf rounds (up to 4 per quarter) based on spends.
  • Buy 1 Get 1 offer on BookMyShow (up to ₹500 off) twice a month.

Cons

  • High quarterly spend requirement (₹75,000) to unlock domestic lounge access.
  • Low reward rate on utilities and insurance (0.25% value).
  • High forex markup fee (3.5%) for a premium travel-oriented card.

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, ICICI Bank NRI Sapphiro Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank NRI Sapphiro Credit Card if

Strong international reward rates and dual lounge access (domestic and international).

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: ICICI Bank NRI Sapphiro Credit Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank NRI Sapphiro Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank NRI Sapphiro Credit Card and SBI Card AURUM?
ICICI Bank NRI Sapphiro Credit Card has an annual fee of ₹3,500, while SBI Card AURUM has an annual fee of ₹9,999. ICICI Bank NRI Sapphiro Credit Card offers a fee waiver on ₹6,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: ICICI Bank NRI Sapphiro Credit Card or SBI Card AURUM?
ICICI Bank NRI Sapphiro Credit Card offers a base reward rate of 0.5% with accelerated rewards on International Spends. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank NRI Sapphiro Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank NRI Sapphiro Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank NRI Sapphiro Credit Card or SBI Card AURUM?
For beginners, ICICI Bank NRI Sapphiro Credit Card may be more approachable with a lower annual fee of ₹3,500. However, evaluate based on your expected spending pattern rather than fee alone.

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