SBI Card has ventured into the super-premium credit card segment with the introduction of the metallic Aurum Credit Card. The Aurum Credit Card competes directly with HDFC Bank Infinia, ICICI Bank Emeralde, and American Express Platinum credit cards. Previously, the ELITE Credit Card held the position as SBI Card’s most premium offering, but it has now been replaced by the Aurum Card. The SBI Aurum Credit Card boasts a premium appearance, featuring a metallic design and an elegant black finish adorned with golden stripes.
In addition to the standard Reward Points benefits, this premium credit card offers a range of complimentary privileges. You would receive complimentary gift vouchers from Tata CliQ Luxury and Taj upon achieving specified spending milestones.
Keep reading to discover more about this super-premium offering from SBI Cards.
SBI AURUM Credit Card

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 Zomato Pro and BBStar (6 months)
Movie & Dining
Complimentary memberships of Zomato Pro and Eazydiner Prime and 4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)
Rewards Rate
4 Reward Points per Rs. 100 spent (reward rate of 1%)
Reward Redemption
Reward Points are redeemable for gift vouchers, hotel reservations, flight tickets etc., on dedicated AURUM Rewards portal
Travel
Complimentary domestic and international airport lounge access and complimentary airport spa access.
Golf
N/A
Domestic Lounge Access
4 complimentary domestic lounge access under Visa/MasterCard domestic lounge program
International Lounge Access
Unlimited international airport lounge access with complimentary Dreamfolks lounge program membership
Insurance Benefits
N/A
Zero Liability Protection
Cardholder not liable for fraudulent transactions post reporting the loss of card to the bank
Spend Based Waiver
Annual membership fee waived off on annual spends of Rs. 12,00,000
Rewards Redemption Fee
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99% of the transaction amount
Interest Rates
3.5% per month (42% per annum)
Fuel Surcharge
1% fuel surcharge waived off at all fuel stations across India.
Cash Advance Charges
2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500
Add-on Card Fee
Nil
- 40,000 Reward Points as a Welcome Benefit (4 Reward Points = Re. 1).
- Card renewal fee waived off on annual spends of Rs. 12,00,000.
- You earn 4 Reward Points per Rs. 100 spent with the SBI AURUM Credit Card (Reward rate = 1%).
- Tata CLiQ Luxury Vouchers worth Rs. 5,000 on reaching the milestone spend of Rs. 5 lakh.
- Rs. 10,000 Taj Voucher on annual expenditure of Rs. 10 lakh.
- Unlimited international airport lounge access and 4 domestic airport lounge access per quarter.
- 1 domestic airport spa visit per quarter.
- 4 BookMyShow movie tickets every month (max value of each ticket capped at Rs. 250).
- 24×7 dedicated concierge service and secretarial access.
- Foreign currency mark-up rate of 1.99% on foreign currency transactions greater than Rs. 1,000.
Pros
- You get 40,000 Reward Points as a welcome benefit with the SBI Aurum Credit Card.
- With this card, you also get Tata CLiQ Luxury vouchers worth Rs. 5,000 on achieving the milestone benefit.
Cons
- There are no insurance benefits provided along with this card.
- Earlier subscriptions like Amazon Prime and Discovery Plus were offered along with the card, which has been since discontinued.
SBI Card has ventured into the super-premium credit card segment with the introduction of the metallic Aurum Credit Card. The Aurum Credit Card competes directly with HDFC Bank Infinia, ICICI Bank Emeralde, and American Express Platinum credit cards. Previously, the ELITE Credit Card held the position as SBI Card’s most premium offering, but it has now been replaced by the Aurum Card. The SBI Aurum Credit Card boasts a premium appearance, featuring a metallic design and an elegant black finish adorned with golden stripes.
In addition to the standard Reward Points benefits, this premium credit card offers a range of complimentary privileges. You would receive complimentary gift vouchers from Tata CliQ Luxury and Taj upon achieving specified spending milestones.
Keep reading to discover more about this super-premium offering from SBI Cards.
SBI Aurum Credit Card Benefits and Features
Being a super premium credit card, the Aurum Credit Card comes with exclusive privileges across several categories, including travel, reward programs, and many more. To understand the detailed features and benefits of the SBI Aurum Card, refer to all the points given below:
Welcome Benefits:
- You get 40,000 Reward Points worth Rs. 10,000 as a joining benefit.
- Complimentary membership of Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold, and BBStar (6 months).
Milestone Benefits:
- TataCliq voucher worth Rs. 1,500 on the monthly expenditure of Rs. 1 lakh.
- Tata CLiQ Luxury worth Rs. 5,000 on spending Rs. 5 lakh a year.
- Taj voucher worth Rs. 10,000 on annual spends of Rs. 10 lakh.
Travel Benefits:
- You get limited complimentary lounge access at domestic airports and unlimited complimentary lounge access at international airports. Apart from lounge access, you also get complimentary spa access at select domestic airports.
- Flight cancellation benefits including a cover of Rs. 3,500/ticket on refundable tickets and Rs. 3,000/ticket on non-refundable tickets. These flight cancellation benefits can be availed for a maximum of two times a year and the refund excludes the taxes and convenience charges on the ticket.
Airport Lounge Access:
- 4 complimentary domestic airport lounge access per quarter under Visa/MasterCard Domestic Lounge Program.
- Unlimited international airport lounge access with complimentary membership of the Dreamfolks airport lounge program.
Dining and Movie Benefits:
- Complimentary membership of Zomato Pro and Eazydiner Prime.
- 4 movie tickets every month from BookMyShow (max value of one movie ticket is capped at Rs. 250). You can book a maximum of 2 tickets at a time and a cooling period of 24 hours is applicable before the next booking can be made.
SBI AURUM Credit Card Dedicated Services:
- You get a dedicated 24×7 lifestyle concierge service with AURUM credit card. The concierge shall help you with flight ticket bookings, hotel reservations, hotel referrals, gift deliveries, etc.
- You also get secretarial access on your Aurum SBI Credit Card. Your secretary or personal assistant can manage the account on your behalf.
SBI Aurum Card Rewards
You earn 4 Reward Points per Rs. 100 spent using Aurum SBI Credit Card.
Reward Points Redemption:
- The Reward Points earned can be redeemed for gift vouchers, flight bookings, hotel reservations on the dedicated AURUM Rewards portal.
- 4 Reward Points = Re. 1 (reward rate of 1% as you earn 4 Reward Points per Rs. 100 spent).
- A reward redemption fee of Rs. 99 (plus applicable taxes) per redemption request is chargeable.
SBI Aurum Card Fees and Charges
Following is the detailed information about all the important fees and charges of the SBI Aurum Credit Card:
- The joining and the annual fee of the SBI Aurum Card are Rs. 9,999 plus applicable taxes. This annual fee can be waived if you have spent Rs. 12 lakhs or more in the previous anniversary year.
- The interest rate on this credit card is 3.5% per month, i.e, 42% per annum.
- The foreign currency markup fee on the Aurum Credit Card is 1.99% of the total transaction amount. This fee is charged when you make a transaction in a different currency.
- The cash advance fee on this credit card is 2.5% of the amount withdrawn subject to a minimum of Rs. 500. This fee is chargeable on withdrawing cash using a credit card.
SBI Aurum Credit Card Eligibility Criteria
As the Aurum Credit Card is an invite-only card, there are no pre-defined eligibility criteria that need to be fulfilled in order to get this card. Still, you must be fulfilling the following requirements:
- Age -Minimum age of 21 for salaried and 25 for self-employed individuals.
- Annual income should be 40 lakhs or above.
- You should have an excellent credit score and a strong relationship with the card issuer.
Documents Required
You might need to following documents before you get approved for the best SBI Aurum Credit Card:
- Identity Proof: Aadhar Card, PAN Card, Voters’ Id, or Driving License.
- Address Proof: Utility bills, Aadhar Card, Passport, Ration Card, or Driving License.
- Latest bank statements/salary slips/ITR as income proof.
How To Apply Online For SBI Aurum Credit Card?
Just like HDFC’s Infinia Credit Card, Aurum SBI Credit Card is also invite-only, therefore you can not apply for this card. You can get this card only if you have got an invitation regarding the same from the card issuer (SBI Card). Moreover, you should be aware of the fact that a high income and a really good score will be required to get this card as it is the most premium offering by the card issuer.
SBI Aurum Credit Card Review
Being a super-premium offering, the SBI AURUM Credit Card comes with a plethora of best-in-class privileges and benefits, including 24×7 concierge service, secretarial access, unlimited international airport lounge access, flight cancellation cover, etc., putting it in direct competition with HDFC Infinia, ICICI Emeralde, and American Express Platinum credit cards. The SBI AURUM Credit Card can be very rewarding if used as your primary credit card. In this case, you’ll be able to achieve spending milestones that entitle you to exclusive gift vouchers from premium brands like Taj and Tata CLiQ. However, if you already have numerous other credit cards and use them for the majority of your expenses, this credit card might not be worth it. Before making a decision, it’s advisable to compare the benefits of the SBI AURUM Credit Card with those of its competitors.
Please share your thoughts in the comments section below.
FAQs:
You are charged a mark-up fee of 1.99% of the transaction amount on all foreign currency transactions made with the SBI AURUM Credit Card.
You get a dedicated AURUM Rewards portal to redeem the Reward Points earned on your SBI AURUM Credit Card. The Reward Points can be redeemed for gift vouchers, flight tickets, hotel reservation, etc. on the ARUM Rewards Portal.
You get complimentary memberships of Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold and BBStar (6 months) with SBI AURUM Credit Card.
No, SBI AURUM Credit Card is an invite-only offering by SBI Cards. Therefore you can not apply for it.
You earn 4 Reward Points per Rs. 100 spent with your SBI AURUM Credit Card. The monetary value of 1 Reward Point is Rs. 0.25. So you get a reward rate of 1% on SBI AURUM Credit Card.
2 Comments
How to apply for this card
I have got call from SBI Aurum and my card approved within a week, currently its yet to delivered because its being embossed. They did not ask much documents as well. I have 853 credit score and ITR over 40 lacs. I am already holding SBI BPCL Octane card.