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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card PRIME 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

Reliance SBI Card PRIME

8.5/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkRuPay
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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

FeatureReliance SBI Card PRIMESBI Card AURUM
Annual Fee₹2,999₹9,999
Joining Fee₹2,999₹9,999
Fee Waiver Spend₹3,00,000₹12,00,000
Base Reward Rate0.125%1%
Reward CurrencyReward PointsAURUM Reward Point
NetworkRuPayVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Reliance SBI Card PRIME

  • 0% on Ajio & JioMart
  • 0% on Participating Reliance Reta...
  • 0% on Dining, Movies, Domestic Ai...

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

Reliance SBI Card PRIME

Pros

  • High 5% value back (20 RP per ₹100) on Ajio and JioMart spends.
  • Generous welcome benefit with ₹3,000 voucher covering the joining fee.
  • Comprehensive lounge access with both domestic and international visits.
  • Monthly movie benefit of ₹250 via BookMyShow with no day-of-week restrictions.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh.
  • Reward points are primarily valuable when redeemed for Reliance Retail vouchers.
  • Accelerated rewards on Reliance brands are capped at 7,500 points per cycle.

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, Reliance SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.

Choose Reliance SBI Card PRIME if

Maximum value back on JioMart, Ajio, Trends, and other Reliance ecosystem stores.

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: Reliance SBI Card PRIME or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Reliance SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card PRIME and SBI Card AURUM?
Reliance SBI Card PRIME has an annual fee of ₹2,999, while SBI Card AURUM has an annual fee of ₹9,999. Reliance SBI Card PRIME 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: Reliance SBI Card PRIME or SBI Card AURUM?
Reliance SBI Card PRIME offers a base reward rate of 0.125% with accelerated rewards on Ajio & JioMart and Participating Reliance Reta.... SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card PRIME and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card PRIME and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card PRIME or SBI Card AURUM?
For beginners, Reliance SBI Card PRIME may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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