SBI Aurum Credit Card

The SBI Aurum Credit Card is an exclusive invitation-only super premium card. It provides benefits, including rewards, travel perks, movie benefits, and concierge services. Moreover, cardholders can enjoy memberships with leading entertainment, dining, and lifestyle brands. This card is a great choice for big spenders who use a credit card for major expenses. Learn more below.

Key Highlights of SBI Aurum Credit Card

SBI Aurum Credit Card
Joining Fee / Renewal Fee Rs. 9,999 + GST (Waived off on spending Rs. 12 lakh in a year)
Best Suited For Rewards and Travel
Card Type Premium
Eligibility Invite-only
Welcome Benefit 40,000 bonus reward points worth Rs. 10,000

*Terms and conditions apply.

SBI Aurum is a premium metal credit card with exclusive privileges, specifically designed for high-income individuals. Key features of this card include:

Joining and Milestone Benefits

That's a fantastic joining benefit! The SBI Aurum Credit Card offers 40,000 reward points as a joining bonus, which is equivalent to Rs. 10,000. These reward points can be redeemed at a value of Rs. 0.25 each across the rewards portal or for Club Vistara airmiles.

The card also offers attractive milestone benefits.

Milestone Spend Amount (in Rs.) Voucher
On spends of Rs. 1 lakh (monthly) Rs. 1,500 TataCliq Voucher
On spends of Rs. 5 lakh (annually) Rs. 5,000 LUXE voucher*
On spends of Rs. 10 lakh (annually) Rs. 10,000 Taj voucher
On spends of Rs. 12 lakh (annually) Annual fee of Rs. 10,000 waived off

*Luxe vouchers cover high-end brands such as GAS, Hamleys, Ermenegildo Zegna, Giorgio Armani, Bottega Veneta, Jimmy Choo, Burberry, and more.

Earn Reward Points on your purchase

The card's rewards are quite simple. Even though it's a fancy card, SBI Aurum doesn't give a lot back – only 1% as a reward rate. You get 4 points for every Rs. 100 you spend using the card.

Points to Note:

  • 1 Reward Point = Rs. 0.25
  • Wallet loads will not fetch reward points

Rewards Redemption

You can redeem the accumulated reward points on your SBI Aurum Credit Card by visiting the dedicated Aurum Rewards portal. You have the option to redeem the points for e-gift vouchers, flights, hotels, and more. A redemption fee of Rs. 99 will be charged (which can also be paid using the points).

Additionally, you can also use the reward points by transferring them to partner airlines such as Club Vistara. Here, 4 reward points = 1 Club Vistara Point. You require a minimum of 1,000 points, in multiples of 4, for conversion of rewards to CV points.

Also read: Best Rewards Credit Cards in India

4 Free Movie Tickets a month worth Rs. 1,000

SBI Aurum cardholders receive 4 free movie tickets every month, valued at Rs. 1,000 (totaling Rs. 12,000 annually). You can book these tickets through BookMyShow.

Each ticket discount is limited to Rs. 250, and you can claim a maximum of two tickets in a single transaction.

Membership Benefits with SBI Aurum Credit Card

With your SBI Aurum Credit Card, you'll enjoy various membership benefits in entertainment, dining, and lifestyle.

  • Amazon Prime 
  • Lenskart Gold
  • One-year Club Marriott
  • BB Star (6 months)
  • Discovery Plus
  • EazyDiner Prime

Travel and Airport Lounge Benefits

With this card, you can enjoy unlimited international lounge access.

Service Complimentary Limits
Domestic Lounge 4 per quarter
International Lounge*
  • Unlimited for primary cardholder
  • 4 per year for accompanying guests
Airport Spa (Domestic)* 1 per quarter

Also read: Best Airport Lounge Access Credit Cards

Both the international lounge and spa services are provided by Dreamfolk.

The Dreamfolk membership is a digital card used for international lounge access, spa, and other airport services (with a fee). To enjoy the complimentary lounge visits and spa services, simply generate a QR code from the Aurum dashboard. Although only 1 spa service per quarter might seem limited for a super-premium card, the positive note is that the international lounge access membership does not expire after 1 year, unlike SBI Prime and SBI Elite.

The fees and charges associated with the SBI Aurum Credit Card are as follows:

Fees/Charges Amount/Rate
Annual Fee (one time) Rs. 9,999
Renewal Fee (per annum) Rs. 9,999 (Waived off on spending Rs. 12 lakh in a year)
Finance Charges Up to 3.50% per month (42% per annum)
Late Payment Fee* For Statement Balance
  • NIL for Total Amount due from Rs.0-Rs.500
  • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000
  • Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000
  • Rs. 950 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000
  • Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000
  • Rs. 1,300 for Total Amount due greater than Rs. 50,000

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To apply for the SBI Aurum Credit Card, Applicants should meet the following eligibility criteria:

Criteria Details
Occupation Available to both Salaried and Self-employed
Customer Type High income individuals (by invite only)
Minimum Income Requirement Rs. 40 lakh p.a.
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of documents

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The SBI Aurum Credit Card is a great fit for those willing to pay a higher annual fee for special privileges. This card is suitable if:

- You have substantial expenses on credit cards and want good returns.

- You often travel and shop frequently.

- You're okay with the higher annual fee of Rs. 9,999.

- You prefer a credit card with all-around benefits instead of one focused on a specific category.

Here are some of the Best credit cards that provide benefits similar to the SBI Aurum Credit Card:

Credit Card Annual Fee (Excluding Taxes) Premium Highlight
SBI Card ELITE Rs. 4,999 Free Memberships (Club Vistara, Priority Pass, etc.)
HDFC Bank Diners Club Black Rs. 10,000 Annual Memberships (MMT DoubleBlack, Club Marriott, etc.)
ICICI Bank Emeralde Rs. 12,000 Unlimited Lounge Access; No over the limit, cash withdrawal or late payment charges
YES First Exclusive Rs. 9,999 Unlimited Priority Pass access
Standard Chartered Ultimate Rs. 4,999 Get access to select golf courses in India and 150 courses worldwide
HDFC Bank Infinia Rs. 10,000 Unlimited free golf games at select courses worldwide.

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1. How can I apply for an SBI Aurum credit card?

SBI Aurum is available through invitation only. If you want this card, you can log in to SBI net banking or visit the SBI Aurum website.

2. Is SBI Aurum worth it?

If you're okay with spending Rs. 9,999 and want great perks for travel, shopping, etc., this card could be a good choice. But, for maximum benefits, it's best used as your main credit card.

Also read: Best Travel Credit Cards in India

3. What is the minimum income requirement for this credit card?

SBI Aurum is an exclusive invite-only card designed for high net-worth individuals. To qualify for this card, you need to have an annual gross income of Rs. 40 lakh or more.

4. What is the cash advance fee charged on SBI Aurum Credit Card?

The cash advance fee for the SBI Aurum Credit Card is calculated as 2.5% of the transaction amount or Rs. 500, whichever is higher.

5. Will I get an Amazon Prime membership with the SBI Aurum Credit Card?

Yes, With this credit card, you'll enjoy memberships to Amazon Prime, Discovery Plus, EazyDiner Prime, BB Star, Lenskart Gold, and Club Marriott.

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