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Side-by-Side Comparison|Updated March 2026

Tata Platinum 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

Tata Platinum SBI Card

8/10
Annual Fee₹499
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

FeatureTata Platinum SBI CardSBI Card AURUM
Annual Fee₹499₹9,999
Joining Fee₹499₹9,999
Fee Waiver Spend₹1,00,000₹12,00,000
Base Reward Rate1%1%
Reward CurrencyTata Card Reward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

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

Choose Tata Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

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: Tata Platinum SBI Card or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, Tata Platinum SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Platinum SBI Card and SBI Card AURUM?
Tata Platinum SBI Card has an annual fee of ₹499, while SBI Card AURUM has an annual fee of ₹9,999. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Tata Platinum SBI Card or SBI Card AURUM?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING and DINING. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Tata Platinum SBI Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Platinum SBI Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Platinum SBI Card or SBI Card AURUM?
For beginners, Tata Platinum SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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