For people who aim higher, ordinary doesn’t work. They seek an exclusive experience. With high-value credit cards steadily becoming the norm across the country, SBI Card has introduced a unique premium card designed for high spenders. This card isn’t just a payment tool; it complements various lifestyles, offering rewards and privileges that set cardholders apart from the rest.
The AURUM Credit Card by SBI Card is one of those rare offerings that bring premium and distinguished benefits to a select few who truly deserve them. If you’re someone who enjoys a luxurious lifestyle and wants to be rewarded for your spending, this card is designed just for you.
While there are several credit cards available nowadays, including numerous co-branded options, the AURUM Credit Card is designed exclusively for individuals whose lifestyle and spending match its level of luxury. For instance, those with higher spends can fully leverage the milestone benefits, unlocking vouchers and rewards that significantly boost the overall reward rate. Similarly, frequent travelers who enjoy lavish trips and vacations can make the most of unlimited international airport lounge access and other premium travel privileges.
Simply put, for those with high spends and even higher aspirations, the AURUM is more than just a credit card; it’s a perfect lifestyle companion.
Kickstart Your Journey with 40,000 AURUM Reward Points
On payment of the joining fee (₹9,999 + GST), cardholders become eligible for a welcome benefit of 40,000 Reward Points. These points hold a value of ₹10,000, which means the joining fee is practically offset by this benefit alone.
1 AURUM Point = ₹0.25, hence the value of ₹10,000 for 40,000 Reward Points. These can be redeemed against various options, such as flights, hotels, gift cards, making philanthropic donations and can even be transferred to several airlines, hotels, and other partners.
What more could one ask from a premium credit card that rewards you right from the start?
Beyond What You Pay – Extra Value With Premium Memberships
Cardholders pay a joining fee of ₹9,999 + GST, but they instantly get Reward Points worth the same, making it a fair value from the start. What sets the AURUM Credit Card apart, however, is that it goes a step further with exclusive welcome and complimentary benefits, designed especially for high-net-worth individuals.
Here’s what cardholders get:
- 1-year complimentary Club Marriott Membership
- 1-year digital subscriptions to The Wall Street Journal and Mint
- 1-year complimentary membership with Inflection Point Ventures (IPV)
Maximize Your Rewards – Earn and Redeem Points Your Way
Earn 4 Reward Points on every ₹100 spent (Reward Rate: 1%). No complications, just a straight 1% reward rate on almost all spends, with only a short list of exclusions like rent, fuel, tax payments, and wallet loading.
Not only do you earn reward points on your everyday spends, but you also get multiple ways to redeem them, be it for gift cards, flight/hotel bookings, and more. You can even transfer them to select partners such as Adani One or ITC. Have a look at the complete list of available transfer partners; these include popular Indian airlines and hotel loyalty programs.
| 5 Reward Points = 1 Air India Maharaja Point |
| 4 Reward Points = 1 Air Asia Point |
| 5 Reward Points = 1 ITC Green Point |
| 5 Reward Points = 1 Qatar Airways Avios Point |
| 4 Reward Points = 1 Adani Reward Point |
In the next section, we’ll cover the milestone benefits that significantly boost your overall rewards.
Earn Genuine Rewards on Milestone Spends – Vouchers from Apple Premium Re-seller and More
Most high-net-worth individuals naturally have high spending patterns, and that’s where the AURUM Credit Card proves to be a perfect fit. With almost every transaction, cardholders not only earn rewards at the base rate but also unlock exclusive milestone benefits. Hitting these spend milestones brings in premium brand vouchers ranging from Apple Premium Re-seller to Tata CLiQ Luxury and more, making every rupee spent even more rewarding.
| Spending | Rewards | Net Reward Rate |
| ₹1 Lakh (Monthly) | Tata CLiQ Fashion Voucher Worth ₹1,500 | 1.5% |
| ₹5 Lakh (Annually) | Tata CLiQ Luxury Voucher Worth ₹5,000 | 1% |
| ₹10 Lakh (Annually) | Taj Experiences Voucher Worth ₹10,000 | 1% |
| ₹20 Lakh (Annually) | Apple Premium Re-seller Voucher Worth ₹20,000 | 1% |
Let’s take a quick scenario. If I spend ₹20 lakh in a year with AURUM Credit Card, I unlock every milestone benefit along the way. That means I get ₹1,500 worth of Tata CLiQ Fashion vouchers every month (₹18,000 a year), a ₹5,000 Tata CLiQ Luxury voucher at ₹5 lakh spends, a ₹10,000 Taj Experiences voucher at ₹10 lakh spends, and finally, an Apple Premium Re-seller voucher worth ₹20,000 at ₹20 lakh spends.
Put together, that’s a total of ₹53,000 in vouchers just from milestone rewards. And on top of this, I continue earning the base reward rate separately, which makes the effective reward rate even higher.
What’s More?
Cardholders who make annual spends of ₹12 lakh or more are rewarded with a complete annual fee reversal, allowing them to enjoy all the premium benefits of the AURUM Credit Card for another year without any renewal charges. For high-net-worth individuals, this spend threshold is not only reasonable but also quite achievable, making the card even more valuable in the long run.
Enter the World of Entertainment – ₹12,000 Worth of Free Movie Tickets Each Year
Cinema has long been one of the oldest and most cherished forms of entertainment. Every once in a while, you step out with your loved ones, dress up, and enjoy a good night out watching the movie of your choice.
With the AURUM Credit Card, this experience becomes even more rewarding. Cardholders are entitled to four free movie tickets every month. The maximum discount per ticket is capped at ₹250, translating into savings of up to ₹1,000 per month or ₹12,000 annually.
Unwind Before You Fly – Airport Lounge & Spa Access
With the AURUM Credit Card, travel becomes a genuinely luxurious experience. Cardholders enjoy a complimentary DreamFolks Membership with unlimited access to over 1,000 international airport lounges, along with one complimentary guest visit every quarter.
Within India, members can take advantage of four complimentary domestic airport lounge visits per quarter (extended to add-on cardholders as well), plus the indulgence of one complimentary spa session each quarter at select airports, ensuring comfort and convenience wherever you fly.
Spend Freely Abroad – Low Forex Charge
Luxury and prestige often transcend borders, which is why it’s important for frequent travelers and high spenders to have a credit card with a low forex charge. The AURUM Credit Card comes with a forex mark-up fee of just 1.99%, allowing cardholders to shop, dine, and spend abroad freely, without worrying about the additional 3.5% (or higher) charges that most other cards impose.
Take Your Golf Game to the Next Level
They say golf is a gentleman’s game. Well, all gentlemen can certainly enjoy and improve their golfing skills with the AURUM Credit Card. Get 16 complimentary golf rounds every year (4 per quarter) and master the greens with 12 complimentary golf lessons annually.
Peace of Mind with Insurance & Protection Benefits
For those who travel abroad or shop across different locations, safety while spending is always a major concern. In case of any mishaps or fraudulent transactions, cardholders want the assurance that they are protected. With the AURUM Credit Card, you get exactly that, a range of insurance covers and protection benefits that let you spend freely without unnecessary worry. Here’s what cardholders can count on:
- Travel Insurance Coverage – Get coverage of up to ₹1 lakh for flight delays, and loss of goods or baggage during travel. This ensures peace of mind, especially in today’s times, where such inconveniences are increasingly common.
- Air Accidental Death Coverage – Enjoy one of the highest coverages offered, with protection of up to ₹3.5 crore in case of air accidental death.
- Flight Cancellation Refunds – Get up to two flight cancellations refunded per year (applicable for both refundable and non-refundable tickets). This rare feature is a standout benefit, even among premium credit cards.
- Lost Card & Fraud Protection – Stay worry-free with coverage of up to ₹10 lakh against lost cards or fraudulent transactions.
With these comprehensive protections, AURUM ensures that luxury meets security, giving cardholders complete peace of mind wherever they go.
AURUM Secretarial Access & Concierge Services
With AURUM, cardholders enjoy top-quality concierge assistance for hotel reservations, flight bookings, dining experiences, event access, and more.
But what makes it stand apart is the ability to delegate.
The AURUM Credit Card goes beyond standard concierge services by offering something truly unique: exclusive secretarial access for those who value their time above all else.
AURUM cardholders can authorize a Secretary or Executive Assistant to conduct limited interactions with SBI Card on their behalf, an exclusive privilege designed for individuals who lead busy, high-powered lives.
Updating or sharing secretarial details is simple: just call or email your dedicated AURUM Relationship Manager with the authorized person’s information, including their name, date of birth, mother’s maiden name, and mailing address.
Bottom Line
Available in the Visa Infinite and Mastercard World variants, the AURUM Credit Card truly embodies luxury and prestige. It’s the perfect choice for those who seek more than just rewards from their spending. Right from the start, the card arrives in elegant packaging and carries a sturdy, premium feel in hand.
For a premium card that packs in so many benefits, this fee (plus GST) is not only fair but actually lower compared to several other premium cards in the market. In the first year, the joining fee is more than offset by the complimentary memberships and 40,000 Reward Points offered as a welcome benefit. From the second year onwards, the annual fee is waived off entirely if you spend ₹12 lakh or more, a figure that is quite nominal for a high-net-worth individual.
From domestic to international airports, the AURUM Credit Card ensures you always travel in comfort with complimentary lounge access worldwide. But it doesn’t stop there, for those who seek that extra touch of relaxation, the card also offers complimentary spa sessions at select airports, making every journey as refreshing as the destination itself.
When it comes to lifestyle privileges, AURUM leaves nothing behind. From comprehensive air accident cover to exclusive golf access, from dedicated concierge services to luxury travel benefits, this card is designed to complement the lifestyle of those who settle for nothing less than the best.
All things considered, the AURUM Credit Card is built for those with high spends and premium lifestyles, and only those in this segment can truly unlock the full potential of what the card has to offer.
For anyone looking to make a lasting impression while making payments, this card is a statement you can’t go wrong with.
Disclaimer: *All features, benefits, fees, and charges are subject to change as per the bank’s policies. T&C Apply.*