HDFC BizBlack Metal Card vs SBI AURUM Credit Card: super premium cards compared
HDFC BizBlack Metal Card costs ₹10,000 a year to keep; SBI AURUM Credit Card costs ₹9,999. On most spends, HDFC BizBlack Metal Card returns about 3.33% and SBI AURUM Credit Card about 1.00%. The income needed to apply is ₹21,00,000 a year for HDFC BizBlack Metal Card and ₹40,00,000 for SBI AURUM Credit Card.
| HDFC BizBlack Metal Card | SBI AURUM Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Diners Club | Visa |
| Joining fee | ₹10,000 | ₹9,999 |
| Annual fee | ₹10,000 | ₹9,999 |
| Base return on spends | 3.33% | 1.00% |
| Domestic lounges | Not stated | 4 a year |
| International lounges | Not stated | Not stated |
| Minimum income | ₹21,00,000 a year | ₹40,00,000 a year |
| Best for | government, utilities, travel, telecom | dining, entertainment, travel |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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