SBI Aurum vs Yatra SBI
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI Aurum Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.2/10.
| Feature | SBI Aurum | Yatra SBI |
|---|---|---|
| CardTrail Score | 8.4/10 | 7.2/10 |
| Annual Fee | ₹9,999 | ₹499 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | Unlimited | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Visa |
When to Choose SBI Aurum
- You can meet the fee waiver condition: Spend ₹12L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: travel, luxury
When to Choose Yatra SBI
- You can meet the fee waiver condition: Spend ₹1L/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: travel, rewards
Forex Cost Comparison
On ₹1,00,000 annual international spending: SBI Aurum costs ₹2,348 in forex fees vs Yatra SBI at ₹4,130. You save ₹1,782/year with SBI Aurum.
Annual Fee Value Analysis
To break even on SBI Aurum's ₹9,999 fee at 1% rewards, spend ₹83,325/month.
To break even on Yatra SBI's ₹499 fee at 0.25% rewards, spend ₹16,633/month.