SBI Aurum vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
IndusInd Iconia Amex wins 6-2. Mid-premium Amex with annual-fee waiver from year 2. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Aurum | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹9,999 | No annual fee |
| Joining fee | · ₹9,999 | ₹3,500 |
| Top reward rate | · 4% (general) | 5% (shopping) |
| Base reward rate | 4% | · 1.5% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹1,500,000 / yr | N/A (no fee) |
| Min income | · ₹3,500,000 | ₹600,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›SBI Aurum vs IndusInd Iconia Amex: which is better?
IndusInd Iconia Amex wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI Aurum for its best categories, IndusInd Iconia Amex for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.