SBI AURUM Credit Card

Gaurav

The SBI Aurum Credit Card is a super-premium, invite-only card launched by SBI Card. It has a stylish black and gold metallic design and offers many high-end features. This card gives benefits like free access to international airport lounges, 24/7 concierge service, flight cancellation cover, and low foreign transaction fees. You also get free memberships to Club Marriott, Mint, and The Wall Street Journal. On reaching certain spending milestones, you can earn gift vouchers from brands like Tata CliQ Luxury, Apple, and Taj. It’s designed to compete with other premium cards like HDFC Infinia, ICICI Emeralde Private, and American Express Platinum.

This card is best for people who spend a lot using their credit card and want to enjoy luxury experiences. If you mostly use one card for all your major purchases, the Aurum card can be very rewarding. However, if you already use other credit cards for most of your spending, this SBI AURUM Credit Card may not give you full value. Before choosing it, it's a good idea to compare its features with other similar premium cards to see which one fits your needs best.

Credit Card Detail
SBI AURUM Credit Card
Joining Fee
Rs. 9999.00 +GST
Renewal Fee
Rs. 9999.00 +GST
Best Suited For
Shopping | Travel | Movies | Dining
Reward Type
Reward Points
Welcome Benefits
Get 40,000 reward points worth ₹10,000 as a welcome gift with the Aurum Credit Card. You can use these points on the rewards portal or for Club Vistara flights.
Apply Now
Rewards Rate
You earn 4 reward points for every ₹100 you spend, but this doesn’t apply when you add money to wallets. You can also transfer your reward points to partner airlines like Club Vistara. For every 4 reward points, you get 1 Club Vistara Point. To do this, you need at least 1,000 reward points, and they must be in multiples of 4.
Reward Redemption
You can use your Aurum reward points to get gift vouchers, book hotels, flights, and more through the special Aurum Rewards website.
Movie & Dining
You get 4 free movie tickets every month on BookMyShow, with up to ₹250 off on each ticket.
Travel
The Dreamfolk membership is a digital card for access to airport lounges, spa, and other paid services. To use the free lounge and spa benefits, you need to generate a QR code from the Aurum dashboard.
Golf
With the Aurum Credit Card, you get 16 free golf games each year (4 every quarter) and 12 free golf lessons annually.
Domestic Lounge Access
You get 4 free visits to domestic airport lounges every year through the Visa or MasterCard lounge program.
International Lounge Access
Free unlimited access to international airport lounges with a Dreamfolks membership included.
Insurance Benefits
You get travel insurance and protection in case of an air accident.
Interest Rates
Up to 3.50% interest per month, which adds up to 42% in a year.
Spend-Based Waiver
Spend ₹12 lakh or more in a year and your annual fee will be waived.
Rewards Redemption Fee
N/A
Cash Advance Charges
You’ll be charged 2.5% of the amount you withdraw, but at least Rs. 500 will be charged even for smaller amounts.
Foreign Currency Markup
1.99% +GST
Fuel Surcharge
You don’t have to pay the 1% extra charge on fuel purchases at any fuel station in India.
Card Details
  • Welcome Benefit: Get 40,000 reward points worth ₹10,000 as a joining gift, redeemable on the rewards portal or for Club Vistara bookings (1 point = ₹0.25).
  • Milestone Rewards: Earn vouchers worth up to ₹16,500 annually from Tata CLiQ, Luxe, and Taj by reaching spending targets of ₹1 lakh, ₹5 lakh, and ₹10 lakh.
  • Fee Waiver: Spend ₹12 lakh or more in a year to get the annual fee of ₹10,000 waived.
  • Reward Points: Earn 4 reward points per ₹100 spent (1% value), excluding wallet loads.
  • Movie Benefits: Get 4 free BookMyShow tickets every month (max ₹250 per ticket, 2 tickets per booking).
  • Lounge Access: Enjoy unlimited international lounge visits, 4 domestic visits per quarter, guest access, and one airport spa visit every quarter.
  • Golf Access: Get 16 free golf rounds and 12 golf lessons annually.
  • Concierge and Travel Cover: Access 24×7 lifestyle concierge and get up to ₹3,500 flight cancellation cover per ticket.
  • Global Usage: Accepted at 24 million+ outlets globally and 3.25 lakh+ in India with a low 1.99% forex mark-up.
  • Add-on Cards: Add family members (18+) like parents, spouse, siblings, or children to share the card benefits.
  • Payment Flexibility: Shop anywhere using MasterCard/RuPay, withdraw cash worldwide, convert spends above ₹2,500 into EMIs, and pay bills easily with the card.
  • Security & Balance Transfer: Chip and PIN protection plus the option to transfer other card dues to SBI Aurum at lower interest with EMI repayment.
Pros/Cons
Pros
- You get 40,000 reward points as a welcome gift with the SBI Aurum Credit Card. Plus, if you spend enough to meet the milestone, you’ll receive Tata CLiQ Luxury vouchers worth ₹5,000.
Cons
- This card gives only basic reward points. Free subscriptions like Amazon Prime, Zomato Gold, and Discovery Plus were offered earlier but are no longer available.
Related Credit Cards

SBI Miles Credit Card

SBI Miles Credit Card Know More

OLA Money SBI Credit Card

OLA Money SBI Credit Card Know More

Lifestyle Home Centre SBI Card

Lifestyle Home Centre SBI Card Know More

FABINDIA SBI Credit Card

FABINDIA SBI Credit Card Know More
Frequently Asked Questions

What is the cash withdrawal fee on the SBI AURUM Credit Card?

You'll be charged 2.5% of the withdrawn amount or ₹500—whichever is more—when you use the card to withdraw cash.

Is it possible to apply directly for the SBI AURUM Credit Card?

No, you can't apply directly. This is an invite-only card offered to select customers.

What is the reward value offered on the SBI AURUM Credit Card?

You get 4 points for every ₹100 you spend. Since each point is worth ₹0.25, your total reward value is 1%.

How can I use the reward points from my SBI AURUM Credit Card?

You can redeem your points on the AURUM Rewards portal for things like flight bookings, hotel stays, or gift vouchers.

Which free memberships are included with the SBI AURUM Credit Card?

The card comes with complimentary memberships to Club Marriott, Mint, and The Wall Street Journal.

What is the currency conversion charge on international purchases?

A 1.99% fee is added on all foreign currency transactions made with the card.

What is the minimum income needed to qualify for the SBI AURUM Credit Card?

To be eligible, your annual income should be at least ₹40 lakh.

Leave a Reply

About text formats

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.