Quick Verdict

  • For everyday spend, both the Adani One Signature Credit Cardⓘ and the SBI AURUM Credit Cardⓘ offer an effective base reward rate of 1%, making them evenly matched in general purchases.
  • When it comes to travel and lounge access, the SBI AURUM Credit Cardⓘ takes the lead with unlimited domestic lounge access, 6 international lounge visits per year, and a significantly lower forex markup of 1.99%.
  • The Adani One Signature Credit Cardⓘ is cheaper to hold with an annual fee of Rs 5,000 and a waiver threshold of Rs 2.00 lakh annual spend, compared to SBI AURUM’s Rs 9,999 fee and no explicit waiver on spend.
  • Choose the Adani One Signature Credit Cardⓘ if you prioritize travel-related rewards and a lower fee structure; opt for SBI AURUM Credit Cardⓘ if you want premium lounge access, dining and grocery rewards, and lower forex charges.

Side by Side

DetailAdani One Signature Credit CardⓘSBI AURUM Credit Cardⓘ
Annual feeRs 5,000Rs 9,999
Joining feeRs 5,000Rs 9,999
Fee waiver on spendRs 2.00 lakh annual (Rs 16,667 per month)Not recorded
Reward rate1% base1% base
Reward typePointsPoints
Domestic lounge4 per yearUnlimited
International loungeNone6 per year
Forex markup3.5%1.99%
Best suited forTravel, lounge, rewardsPremium, lounge, rewards, dining, travel, shopping

Rewards Compared

The Adani One Signature Credit Cardⓘ offers a base reward rate of 1%, which translates to Rs 100 earned on Rs 10,000 spent. It significantly boosts rewards in travel at 7%, earning Rs 700 on the same spend, and utilities at 3.5%, or Rs 350. This makes it highly attractive for users who spend heavily on travel and utility bills, maximizing returns in those categories.

The SBI AURUM Credit Cardⓘ also offers a 1% base reward rate, equivalent to Rs 100 on Rs 10,000 spent, but its category bonuses focus on dining and grocery, both at 2.5%, yielding Rs 250 for Rs 10,000 spend. While it does not offer a travel-specific bonus rate as high as Adani One Signature, its broad category coverage including shopping and premium rewards makes it a versatile card for lifestyle spenders.

Fees Compared

The Adani One Signature Credit Cardⓘ charges an annual and joining fee of Rs 5,000 each, with a fee waiver if you spend Rs 2.00 lakh annually, which breaks down to about Rs 16,667 per month. This waiver threshold is reasonable for frequent spenders focused on travel and utilities, potentially saving them Rs 10,000 annually in fees.

The SBI AURUM Credit Cardⓘ carries a higher joining and annual fee of Rs 9,999 each, with no explicit fee waiver based on spend mentioned. This higher fee is justified by premium benefits such as unlimited domestic lounge access and golf privileges but demands a more committed user to offset the cost.

The break-even spend for the base reward rate to cover the fee is approximately Rs 5.00 lakh for Adani One Signature and about Rs 10.00 lakh for SBI AURUM, reflecting the higher cost of the latter.

Which One Should You Pick

The Adani One Signature Credit Cardⓘ is best suited for travelers and those who want to maximize rewards on travel and utility spends while keeping fees manageable. Its welcome benefits including flight and hotel vouchers add value for new cardholders. However, those who do not spend at least Rs 16,667 monthly may find the fee less justifiable.

The SBI AURUM Credit Cardⓘ appeals to premium users who value unlimited domestic lounge access, multiple international lounge visits, and lower forex charges. It suits spenders focused on dining, grocery, and lifestyle categories who can leverage the card’s exclusive memberships and concierge services. The high fee and lack of waiver mean casual spenders or those with lower monthly spends should consider alternatives.

In conclusion, pick Adani One Signature Credit Cardⓘ if you prioritize travel rewards and cost efficiency, and choose SBI AURUM Credit Cardⓘ if you want premium lifestyle privileges and extensive lounge access. Avoid Adani One Signatureⓘ if you do not meet the waiver spend, and skip SBI AURUMⓘ if you cannot justify the high fees.

What to Check Before You Apply

  • Confirm the exact caps on category rewards and lounge visits to avoid surprises.
  • Understand the redemption value of points, especially for vouchers and premium memberships.
  • Calculate the fee waiver threshold carefully to ensure you can meet the Rs 16,667 monthly spend for Adani One Signature.
  • Consider the forex markup: 3.5% for Adani One Signature can be costly for frequent international travelers compared to SBI AURUM’s 1.99%.
  • Check which airports the domestic and international lounges cover and the availability of your preferred lounges.

FAQ

What are the joining and annual fees for both cards?+
The Adani One Signature Credit Cardⓘ charges Rs 5,000 as joining and Rs 5,000 as annual fee. The SBI AURUM Credit Cardⓘ has a higher fee of Rs 9,999 for both joining and annual charges.
Is there a fee waiver available on either card?+
The Adani One Signature Credit Cardⓘ offers a fee waiver on an annual spend of Rs 2.00 lakh, which equals about Rs 16,667 per month. The SBI AURUM Credit Cardⓘ does not specify any fee waiver on spend.
Which card offers better rewards on travel spend?+
The Adani One Signature Credit Cardⓘ provides a 7% reward rate on travel, earning Rs 700 on Rs 10,000 spent, significantly higher than SBI AURUM’s general 1% base rate without a specific travel bonus.
How do the lounge access benefits compare?+
SBI AURUM Credit Cardⓘ offers unlimited domestic lounge access and 6 international lounge visits per year, while Adani One Signature Credit Cardⓘ provides 4 domestic lounge visits per year and no international lounge access by default.
What is the forex markup on international transactions for these cards?+
Adani One Signature Credit Cardⓘ charges a forex markup of 3.5%, which can be costly on large foreign currency spends. SBI AURUM Credit Cardⓘ has a lower forex markup of 1.99%, making it more economical for international travelers.