SBI Card
SBI Card's invite-only flagship — ₹9,999 with the whole portfolio's only points that never expire, no per-category earn rate stated anywhere, and lounge/insurance figures that exist only in press coverage sbicard.com itself reprints rather than in its own T&C.
reward points
Milestone rewards
No per-category earn rate is stated anywhere in issuer material — the product page's Rewards tab does not exist in the live DOM. The MITC states AURUM's Reward Points "never expire", unlike every other SBI card's 24-month expiry. AURUM is also the only card exempt from SBI's ₹99 Rewards Redemption Fee, per the MITC. Also carries 1-year complimentary memberships to Club Marriott, Mint & The WSJ and Inflection Point Ventures, and 16 complimentary golf rounds plus 12 golf lessons a year — none of which this schema has a dedicated field for.
Not published by the issuer.
Verified from official issuer sources. Last verified 27 August 2026
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ICICI Bank
A lifetime-free card that pays its best rate on Amazon. Worth holding for Amazon spend; unremarkable elsewhere, and you cannot simply apply for it.
ICICI Bank
A premium travel and lifestyle card carrying a substantial joining fee. Its value is concentrated in lounge access, welcome vouchers and golf rather than the earn rate, so it suits heavy travellers and nobody else.
ICICI Bank
Sits between Coral and Sapphiro: more lounge and golf access than the entry cards, at roughly half Sapphiro's joining fee, on the same unpriced points programme.
