SBI AURUM Credit Card

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.
• LUXE voucher worth Rs. 5,000 on spending Rs. 5 lakh in 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 SBI 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. 10,000 plus applicable taxes. This annual fee can be waived off 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 SBI 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:

• Your age should be above 18 years.
• You should have a stable source of income with a high annual income.
• 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 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.

Conclusion:

Being a super-premium offering, SBI AURUM Credit Card comes with a plethora of best in class privileges and benefits including a 24×7 concierge service, secretarial access, unlimited international airport lounge access, flight cancellation cover, etc. which put it in direct competition with the likes of HDFC Infinia, ICICI Emeralde, and American Express Platinum credit cards. SBI AURUM Credit Card can be very rewarding if used as a primary credit card, i.e. if you use it for the majority of your spends as in that case you’ll be able to achieve the spends based milestones which entitle you to exclusive gift vouchers from premium brands like LUXE, Taj and Tata Cliq. However, if you already have plenty of other credit cards and you use them for the majority of your spends, this credit card might not be worth it. Also, before you make your mind, it is better to compare the benefits of the SBI AURUM Credit Card with those of its competitors.