Vyaya
Side-by-Side Comparison|Updated March 2026

ICICI Bank Signature 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 Signature Credit Card

8.2/10
Annual Fee₹2,000
Base Rewards6.4%
NetworkVisa
View Full Details

SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureICICI Bank Signature Credit CardSBI Card AURUM
Annual Fee₹2,000₹9,999
Joining Fee₹25,000₹9,999
Fee Waiver Spend₹50,000₹12,00,000
Base Reward Rate6.4%1%
Reward CurrencyHand-picked RewardsAURUM Reward Point
NetworkVisaVisa
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Signature Credit Card

Pros

  • Industry-leading base reward rate of 8% (10 points per ₹100 spent).
  • Substantial welcome bonus of 30,000 points worth ₹24,000.
  • Complimentary golf rounds at premium courses in India and abroad.
  • Comprehensive concierge service (i-Assist) for travel and lifestyle needs.

Cons

  • Extremely high joining fee of ₹25,000.
  • International lounge visits via Priority Pass are chargeable.
  • Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

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

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

Choose ICICI Bank Signature Credit Card if

The 8% base reward rate provides exceptional value for those with high monthly retail 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: ICICI Bank Signature Credit Card or SBI Card AURUM?
ICICI Bank Signature Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card AURUM could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank Signature Credit Card and SBI Card AURUM?
ICICI Bank Signature Credit Card has an annual fee of ₹2,000, while SBI Card AURUM has an annual fee of ₹9,999. ICICI Bank Signature Credit Card offers a fee waiver on ₹50,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: ICICI Bank Signature Credit Card or SBI Card AURUM?
ICICI Bank Signature Credit Card offers a base reward rate of 6.4%. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Signature Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Signature Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Signature Credit Card or SBI Card AURUM?
For beginners, ICICI Bank Signature Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

ICICI Bank Signature Credit Card vs Axis Bank Magnus Credit CardSBI Card AURUM vs Axis Bank Magnus Credit CardICICI Bank Signature Credit Card vs ICICI Bank Sapphiro Credit CardSBI Card AURUM vs ICICI Bank Sapphiro Credit Card

Explore More

ICICI Bank Signature Credit Card Full ReviewSBI Card AURUM Full ReviewAll ICICI Bank CardsAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips