SBI AURUM Credit Card vs ICICI Emeralde Private Credit Card: super premium cards compared
SBI AURUM Credit Card costs ₹9,999 a year to keep; ICICI Emeralde Private Credit Card costs ₹12,499. On most spends, SBI AURUM Credit Card returns about 1.00% and ICICI Emeralde Private Credit Card about 3.00%. The income needed to apply is ₹40,00,000 a year for SBI AURUM Credit Card and ₹36,00,000 for ICICI Emeralde Private Credit Card.
| SBI AURUM Credit Card | ICICI Emeralde Private Credit Card | |
|---|---|---|
| Issuer | SBI Card | ICICI Bank |
| Network | Visa | Visa|Mastercard |
| Joining fee | ₹9,999 | ₹12,499 |
| Annual fee | ₹9,999 | ₹12,499 |
| Base return on spends | 1.00% | 3.00% |
| Domestic lounges | 4 a year | Not stated |
| International lounges | Not stated | Not stated |
| Minimum income | ₹40,00,000 a year | ₹36,00,000 a year |
| Best for | dining, entertainment, travel | hotels, flights, travel, vouchers |
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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