IRCTC SBI Card Premier vs SBI Card AURUM
Detailed comparison of these two popular credit cards
IRCTC SBI Card Premier
SBI Card
Mid-RangeVS
Winner
SBI Card AURUM
SBI Card
Super PremiumAnnual Fee
₹1K vs ₹10K
Effective Rate
(cash value)
0.8% vs 0.8%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | IRCTC SBI Card Premier | SBI Card AURUM |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹10K |
| Annual Fee | ₹1K | ₹10K |
| Fee Waiver | Spend ₹2L annually | Spend ₹10L annually |
| Forex Markup | - | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.8% | 0.75% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹4.0L | ₹36.0L |
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
SBI Card AURUM wins!
Score: 23vsScore: 55
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