SBI Bank Aurum Credit Card
State bank of india State bank of india

SBI Bank Aurum Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/entertainment.svg Entertainment
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹9999* Plus Applicable Taxes

Renewal Fee: ₹9999*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Entertainment Entertainment
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹9999* + Tax

Renewal Fee: ₹9999* + Tax

Welcome benefits:-

  1. Get 40,000 Reward Points Worth ₹10,000
  2. Club Marriott Membership Exclusive discounts on stays, dining, and spa services at Club Marriott hotels across India
  3. Complimentary Digital Subscriptions Access Mint and The Wall Street Journal online with your free digital membership

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About SBI Bank Aurum Credit Card

SBI Aurum is SBI Card’s most premium credit card, designed for high-net-worth individuals. It offers elite perks like secretarial access, free IPV membership, and subscriptions to The Wall Street Journal and Mint. You also get unlimited international lounge access, low forex fees, and air miles conversion.

The SBI Aurum card has two main drawbacks. It offers a low reward rate of just 1%, which is significantly lower than cards like Infinia and Emeralde Private. Also, domestic lounge access is limited to 16 visits per year, even though international lounge access is unlimited.

  1. Available by invitation or premium relationship with SBI
  2. High annual fee compensated with luxury benefits and offers

SBI Bank Aurum Credit Card Rewards Program

Reward Structure: Earn 4 Reward Points per ₹100 spent

Redemption Value:

  • 1 RP = ₹0.25
  • 5 RP = 1 Maharaja Club (Air India)
  • 4 RP = 1 AirAsia Point
  • 5 RP = 1 Green Point (Club ITC)
  • 5 RP = 1 Avios (Qatar Airways)
  • 4 RP = 1 Adani Reward

Travel Benefits:

  • Complimentary DreamFolks membership
  • Unlimited international lounge access (includes 1 guest per quarter)
  • 16 domestic lounge visits annually (4 per quarter)
  • Low forex markup fee of 1.99%

Other Features and Benefits

Activation Benefits

  • 40,000 AURUM Reward Points (worth ₹10,000)

Exclusive Memberships (1st Year Only)

  • Club Marriott
  • The Wall Street Journal & Mint (digital)
  • Inflection Point Venture (IPV) – Combined worth ₹29,382

Luxury Lifestyle Privileges

  • Spa: 1 complimentary airport spa session per quarter (4 per year)
  • Golf: 16 complimentary golf rounds per year + 12 lessons
  • Movies: 4 BookMyShow movie tickets per month (worth ₹1,000)
  • AURUM’s Secretarial Access: Concierge-style premium support

Milestone Benefits

  • Monthly: ₹1,500 Tata Cliq Fashion voucher on ₹1L spend
  • Annual:
    • ₹5,000 Tata Cliq Luxury voucher on ₹5L spend
    • ₹10,000 Taj Experience voucher on ₹10L spend
    • ₹20,000 Apple voucher on ₹20L spend
  • Annual Fee Waiver: On annual spend of ₹12L

Fuel Surcharge Waiver

  • 1% waiver (up to ₹250/month) on fuel spends between ₹500–₹4,000

Insurance Coverage

  • ₹1L Travel insurance for flight delay & baggage loss
  • ₹3.5 Cr Air accidental death cover
  • 2 flight cancellations refunded per year (any airline)
  • ₹10L Lost Card & Fraud Protection

Fees and Charges

Fee TypeAmount
Joining FeeRs. 9,999
Annual FeeRs. 9,999
Card Replacement FeeRs. 1,500
Rewards Redemption FeeWaived
Finance Charges3.75% p.m. | 45% p.a.
Late Payment Charges
Total Amount Due:Amount
Rs.0 - Rs. 500Nil
Rs. 501- Rs. 1000Rs. 400
Rs. 1,001- Rs. 10,000Rs. 750
Rs. 10,001 - Rs. 25,000Rs. 950
Rs. 25,001 - Rs. 50,000Rs. 1,100
Greater than Rs. 50,000Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You want to enjoy exclusive high-end privileges, especially in the first year
  • You already have another card with a higher reward rate to complement this one
  • You prefer SBI Cards and want premium benefits under the same issuer
  • 16 domestic lounge visits and a 1% reward rate suit your limited travel and spending needs

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For SBI Bank Aurum Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

SBI Bank Aurum Credit Card Hilights

What do we like about this card?

  • Complimentary Zomato Pro & Club Marriott Membership
  • Unlimited Domestic & International Airport Lounge Access
  • 24x7 Luxury Concierge Services
  • Comprehensive Insurance Coverage
  • Premium Metal Card Design for Elite Appearance
  • High Reward Point Value (1 RP = ₹0.25)

Pros

  • Premium complimentary memberships (Zomato Pro, Club Marriott, etc.)
  • 4 free movie tickets every month
  • Unlimited international lounge access with free guest visits
  • Low forex markup fee
  • Activation benefits worth the joining fee
  • Monthly and annual milestone rewards

Cons

  • Low reward redemption value (1 RP = ₹0.25)
  • Limited partners for air miles transfer
  • Limited domestic lounge access (16/year)
  • Most membership benefits valid only for the first year

SBI Bank Credit Card Contact Details

SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

  • Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
  • Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
  • Simply SMS: Send an SMS to 5676791 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

No, the SBI AURUM Credit Card is an invite-only card offered exclusively by SBI Cards. You cannot apply for it directly.

To be eligible for the SBI AURUM Credit Card, you must have an annual gross income of Rs. 40 lakh or more.

The cash advance fee is 2.5% of the transaction amount or Rs. 500, whichever is higher.

The SBI AURUM Credit Card has a foreign currency mark-up fee of 1.99% on all international transactions.

The card provides complimentary memberships to:

  • Amazon Prime
  • Discovery Plus
  • EazyDiner Prime
  • BB Star
  • Lenskart Gold
  • Club Marriott
  • Mint
  • The Wall Street Journal

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