Credit Card

SBI AURUM Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

SBI AURUM Credit Card: SBI Card has expanded its portfolio into the super-premium credit card segment with the unveiling of the luxurious Aurum Credit Card. This prestigious card steps into direct competition with industry heavyweights like HDFC Bank Infinia, ICICI Bank Emeralde Private, and American Express Platinum credit cards. Marking a significant shift, the Aurum Credit Card replaces the ELITE Credit Card as SBI Card’s flagship offering.

Distinguished by its opulent metallic design and sophisticated black finish accentuated with golden stripes, the SBI Aurum Credit Card exudes elegance and prestige.

Beyond the customary Reward Points benefits, this elite credit card offers a plethora of complimentary privileges. Cardholders stand to receive exclusive gift vouchers from prestigious brands such as Tata CliQ Luxury, Apple, and Taj upon attaining specified spending milestones. Furthermore, the Aurum Card extends complimentary memberships to esteemed platforms including Club Marriott, Mint, and The Wall Street Journal.

Stay tuned as we delve deeper into the unparalleled features and privileges offered by this super-premium offering from SBI Cards.

Fees Joining Fee- Rs. 9,999 + GST
Renewal Fee-Rs. 9,999 + GST
Best Suited For

Movies | Travel | Dining | Shopping

Reward Type Reward Points
Welcome Benefits 40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint

Rewards and Benefits

  • Movie & Dining Delights:- Enjoy the magic of cinema with 4 movie tickets from BookMyShow every month, with a maximum cap of Rs. 250 per ticket, ensuring memorable movie experiences with loved ones.
  • Rewards Galore:- Earn 4 Reward Points for every Rs. 100 spent, translating to a generous reward rate of 1%, rewarding your every transaction.
  • Reward Redemption:- Redeem your Reward Points for a plethora of options including gift vouchers, hotel reservations, flight tickets, and more, accessible through the dedicated AURUM Rewards portal, ensuring flexibility and choice in redemption.
  • Luxurious Travel:- Indulge in the luxury of travel with complimentary domestic and international airport lounge access, coupled with complimentary airport spa access, elevating your pre-flight experience to new heights of comfort and relaxation.
  • Golfing Extravaganza:- Unleash your passion for golf with 16 complimentary golf rounds each year, evenly distributed at 4 rounds per quarter, providing ample opportunities to tee off at leading golf courses.
  • Lounge Access:- Experience the convenience of 4 complimentary domestic lounge accesses under the Visa/MasterCard domestic lounge program, ensuring a serene and comfortable environment while waiting for your flight.
  • For international travelers, revel in unlimited international airport lounge access with complimentary Dreamfolks lounge program membership, enhancing your global travel experiences with premium amenities and services.
  • Insurance Benefits:- Travel with peace of mind knowing you’re covered with comprehensive travel insurance and air accidental cover, providing financial protection against unforeseen circumstances during your journeys.
  • Zero Liability Protection:- Rest easy knowing you’re shielded from fraudulent transactions with zero liability protection, ensuring you’re not held accountable for unauthorized charges post-reporting the loss of your card to the bank.

Fees & Charges

  • Spend-Based Waiver:- Enjoy the privilege of having your annual membership fee waived off upon reaching annual spends of Rs. 12,00,000, rewarding your loyalty with unparalleled benefits.
  • Reward Redemption:- Redeem your rewards without any hassle or additional fees, ensuring seamless access to a wide array of redemption options including gift vouchers, travel bookings, and more, enhancing your flexibility and choice.
  • Foreign Currency Markup:- Experience global transactions with ease, with a nominal foreign currency markup of 1.99% of the transaction amount, ensuring cost-effectiveness and convenience in your international purchases.
  • Interest Rates:- Manage your finances effectively with competitive interest rates of 3.5% per month (42% per annum), providing you with the flexibility to plan and budget your expenses responsibly.
  • Fuel Surcharge:- Enjoy the convenience of savings with a 1% fuel surcharge waiver at all fuel stations across India, allowing you to fuel up without the burden of additional charges.
  • Cash Advance Charges:- Access emergency funds effortlessly with cash advance charges of only 2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500, ensuring financial flexibility during unforeseen circumstances.
  • Add-On Card Fee:- Expand your benefits to your loved ones with ease, as the Prestige Rewards HDFC Bank Credit Card offers add-on cards with no additional fee, allowing you to share the perks and privileges with your family members.

Product Details

  • SBI AURUM Credit Card, a gateway to luxury and rewards like never before. Experience a world of exclusive benefits tailored to elevate your lifestyle from the moment you join.
  • Kickstart your journey with a generous welcome offer of 40,000 Reward Points, equivalent to Rs. 1,000, allowing you to indulge in your favorite experiences right from the start. With every swipe, earn 4 Reward Points for every Rs. 100 spent, translating to a rewarding 1% back on all your purchases.
  • But that’s just the beginning. As you continue to enjoy the privileges of the SBI AURUM Credit Card, unlock even more perks and rewards. Say goodbye to renewal fees by simply reaching an annual spend of Rs. 12,00,000 – your loyalty rewarded with financial freedom.
  • As you reach spending milestones, the rewards keep rolling in. Achieve a milestone spend of Rs. 5 lakh and receive Tata CLiQ Luxury Vouchers worth Rs. 5,000, allowing you to indulge in luxury fashion and lifestyle experiences. Hit the Rs. 10 lakh mark annually and treat yourself to a lavish Rs. 10,000 Taj Voucher, creating unforgettable memories at one of the world’s finest hotels.
  • Travel in style with unlimited access to international airport lounges, ensuring your journey is as comfortable as it is luxurious. Plus, enjoy 4 domestic airport lounge visits per quarter, providing a serene oasis amidst the hustle and bustle of travel.
  • Entertainment awaits with 4 BookMyShow movie tickets every month, each ticket capped at Rs. 250 – the perfect excuse for a night out with friends or a romantic date night. And when you need assistance, our dedicated concierge service and secretarial access are available 24×7, ensuring every need is met with efficiency and expertise.
  • With the SBI AURUM Credit Card, embrace a lifestyle of luxury, rewards, and unparalleled experiences. Join today and elevate every moment to extraordinary heights.



Unlock a grand welcome with the SBI Aurum Credit Card, showering you with an impressive bounty of 40,000 Reward Points to kick off your journey in style.
Indulge in luxury experiences effortlessly as you reach milestones, with coveted Tata CLiQ Luxury vouchers worth Rs. 5,000 awaiting your achievement.


While the SBI Aurum Credit Card provides enticing benefits, its reward rate remains relatively basic compared to some competitors.
Regrettably, previous perks such as complimentary subscriptions to Amazon Prime, Zomato Gold, and Discovery Plus have been discontinued, diminishing the card’s allure for some potential users.

SBI Aurum Credit Card Benefits and Features

As an esteemed bearer of the Aurum Credit Card, you’re granted access to a world of exclusive privileges spanning various categories, from travel perks to rewards and beyond. Dive into the comprehensive array of features and benefits that await you with the SBI Aurum Card:

Welcoming Rewards:

Embark on your journey with a lavish greeting of 40,000 Reward Points, translating to a remarkable Rs. 10,000 value. Savour complimentary 1-year memberships to esteemed institutions including Club Marriott, Wall Street Journal, and Mint, enriching your lifestyle from the outset.

Golfing Extravaganza:

Master the greens with indulgent golf benefits, including 16 complimentary rounds per calendar year (4 per quarter), along with 12 complimentary golf lessons annually.

Monthly Spends Rewards:

Reap the rewards of your monthly expenditures with a Tata CliQ voucher worth Rs. 1,500 upon reaching a spend threshold of Rs. 1 lakh.

Yearly Spends Bonuses:

Achieve milestones in spending and unlock deluxe rewards:

  • Reach Rs. 5 lakh annual spend and receive Tata CliQ Luxury vouchers worth Rs. 5,000.
  • Scale the heights of Rs. 10 lakh annual expenditure and be rewarded with a Taj voucher worth Rs. 10,000.
  • Elevate your spending to Rs. 20 lakh annually and indulge in Apple vouchers worth Rs. 20,000.

Travel in Luxury:

Experience the epitome of travel indulgence with exclusive benefits:

  • Enjoy limited complimentary lounge access at domestic airports, coupled with unlimited complimentary lounge access at international airports.
  • Pamper yourself with complimentary spa access at select domestic airports.
  • Benefit from flight cancellation cover up to Rs. 3,500/ticket on refundable tickets and Rs. 3,000/ticket on non-refundable tickets, with a maximum of two claims per year.

Airport Lounge Access:

Avail 4 complimentary domestic airport lounge accesses per quarter through the Visa/MasterCard Domestic Lounge Program, alongside unlimited international airport lounge access with complimentary membership to the Dreamfolks airport lounge program.

Movie Magic:

Delight in cinematic experiences with 4 monthly movie tickets from BookMyShow, each capped at Rs. 250. Booking flexibility allows for a maximum of 2 tickets at a time, with a 24-hour cooling period between bookings.

Dedicated Services:

Enjoy the convenience of a dedicated 24×7 lifestyle concierge service, offering assistance with flight bookings, hotel reservations, gift deliveries, and more. Benefit from secretarial access on your Aurum SBI Credit Card, allowing your personal assistant to manage the account on your behalf.

Insurance Coverage:

Rest assured with comprehensive insurance benefits, including:

  • Travel insurance coverage of ₹1 Lakh for flight delay and loss of goods or baggage during travel.
  • Air accidental death coverage of ₹3.50 Crore.
  • Two flight cancellation refunds per year from any airline, applicable to both refundable and non-refundable tickets.
  • Lost Card & Fraud Protection coverage of ₹10 Lakhs.

With the SBI Aurum Credit Card, embrace a lifestyle of luxury, convenience, and peace of mind. Elevate every aspect of your journey with unparalleled privileges tailored to your discerning tastes.

SBI Aurum Card Rewards

Unlock a world of rewards with the Aurum SBI Credit Card, where every purchase earns you 4 Reward Points for every Rs. 100 spent. Dive into the realm of redemption possibilities with our dedicated AURUM Rewards portal.

Reward Points Redemption

Your accumulated Reward Points can be exchanged for a plethora of enticing options, including gift vouchers, flight bookings, and hotel reservations, all accessible through the exclusive AURUM Rewards platform.

Benefit Conversion

Enjoy a generous conversion rate of 4 Reward Points equating to Re. 1, ensuring a rewarding 1% return on your spending endeavors.

Redemption Convenience

While indulging in your rewards, please note that a nominal redemption fee of Rs. 99 (plus applicable taxes) is levied per redemption request, ensuring seamless access to your desired rewards.

Loyalty Program Transfers

Additionally, harness the flexibility of transferring your Reward Points to various flight and hotel loyalty programs, maximizing your benefits and enriching your travel experiences.

With the Aurum SBI Credit Card, your spending transcends mere transactions, leading you to a realm of endless rewards and possibilities. Unlock the true potential of your purchases and embark on a journey filled with luxury, convenience, and unparalleled experiences.

4 Reward Points 1 Club Vistara Points
5 Reward Points 1 Club ITC Green Points
4 Reward Points 1 Air Asia Point

SBI Aurum Card Fees and Charges

Delve into the intricate details of fees, eligibility criteria, application process, and a comprehensive review of the illustrious SBI Aurum Credit Card:

Fees and Charges:

The esteemed SBI Aurum Card commands a joining and annual fee of Rs. 9,999 plus applicable taxes. However, this annual fee is subject to waiver upon achieving a significant spend threshold of Rs. 12 lakhs or more in the preceding anniversary year.
Interest accrues at a rate of 3.5% per month, equating to an annual percentage rate of 42%.
For transactions conducted in foreign currencies, a nominal foreign currency markup fee of 1.99% of the total transaction amount is levied.
Cash advances incur a fee of 2.5% of the withdrawn amount, with a minimum charge of Rs. 500.

Eligibility Criteria:

The invitation-only nature of the Aurum Credit Card renders predefined eligibility criteria unnecessary. However, applicants must meet certain prerequisites:
– Minimum age of 21 for salaried individuals and 25 for self-employed individuals.
– Annual income exceeding Rs. 40 lakhs.
– Demonstrated excellent credit history and a strong relationship with the card issuer.

Application Process:

The exclusivity of the Aurum SBI Credit Card dictates that it is obtainable solely through invitation from the card issuer, SBI Card. Invitations are extended to individuals with high income levels and impeccable creditworthiness, akin to HDFC’s Infinia Credit Card.


Positioned as a premier offering in the credit card realm, the SBI Aurum Credit Card boasts an impressive array of top-tier privileges and benefits. From round-the-clock concierge service to unlimited international airport lounge access and flight cancellation coverage, it competes directly with elite counterparts such as HDFC Infinia, ICICI Emeralde Private, and American Express Platinum credit cards.

The card’s allure lies in its potential for substantial rewards, particularly when utilized as the primary credit card. Attaining spending milestones unlocks exclusive gift vouchers from prestigious brands like Taj and Tata CLiQ, enhancing the cardholder’s luxury experience. However, for individuals already possessing multiple credit cards with substantial usage, the Aurum Credit Card’s value proposition may be less compelling. Prospective applicants are encouraged to conduct a thorough comparison of benefits against those offered by competitors before making a decision.

In conclusion, the SBI Aurum Credit Card epitomizes sophistication and opulence, offering a gateway to unparalleled privileges and rewards for discerning individuals. Share your insights and experiences in the comments section below.

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