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Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
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

FeatureShaurya SBI CardSBI Card AURUM
Annual Fee₹250₹9,999
Joining Fee₹250₹9,999
Fee Waiver Spend₹50,000₹12,00,000
Base Reward Rate0.0625%1%
Reward CurrencyReward PointsAURUM Reward Point
NetworkRuPayVisa
Editor Rating7.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

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

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

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: Shaurya SBI Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and SBI Card AURUM?
Shaurya SBI Card has an annual fee of ₹250, while SBI Card AURUM has an annual fee of ₹9,999. Shaurya SBI 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: Shaurya SBI Card or SBI Card AURUM?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or SBI Card AURUM?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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