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Side-by-Side Comparison|Updated March 2026

CASHBACK SBI 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.

SBI Card

CASHBACK SBI Card

8.5/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
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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

FeatureCASHBACK SBI CardSBI Card AURUM
Annual Fee₹999₹9,999
Joining Fee₹999₹9,999
Fee Waiver Spend₹2,00,000₹12,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackAURUM Reward Point
NetworkVisaVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

CASHBACK SBI Card

  • 0% on Online Spends

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

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

Both CASHBACK SBI Card and SBI Card AURUM are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose CASHBACK SBI Card if

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

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: CASHBACK SBI Card or SBI Card AURUM?
Both CASHBACK SBI Card and SBI Card AURUM are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between CASHBACK SBI Card and SBI Card AURUM?
CASHBACK SBI Card has an annual fee of ₹999, while SBI Card AURUM has an annual fee of ₹9,999. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: CASHBACK SBI Card or SBI Card AURUM?
CASHBACK SBI Card offers a base reward rate of 1% with accelerated rewards on Online Spends. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both CASHBACK SBI Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. CASHBACK SBI Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: CASHBACK SBI Card or SBI Card AURUM?
For beginners, CASHBACK SBI Card may be more approachable with a lower annual fee of ₹999. However, evaluate based on your expected spending pattern rather than fee alone.

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