By Rajat Gaur
Updated On September 21, 2021

SBI Cards forayed into the super-premium credit cards segment with the launch of the AURUM Credit Card. AURUM Credit Card is in direct competition with HDFC Bank Infinia, ICICI Bank Emeralde and American Express Platinum credit cards. Earlier, the ELITE Credit Card was the most premium offering by SBI Cards.

To give it a premium look, SBI AURUM Credit Card comes with a metallic design and an elegant black finishing with dotted golden stripes. As it is a premium credit card, apart from the regular Reward Points benefits, you also get many complimentary privileges including complimentary memberships of some of the most popular subscription services including Amazon Prime, Discovery Plus, BBStar, Zomato Pro and Easydiner Prime. You may also get complimentary gift vouchers from TataCliq, LUXE and Taj on achieving the stipulated spends milestones. Read on to learn more about this super-premium offering by SBI Cards.

SBI AURUM Credit Card

Invite Only

Best Suited For

Movies | Travel | Dining | Shopping |

Joining Fee

Rs. 10,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • 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%).
  • TataCliq Voucher worth Rs. 1,500 on monthly expenditure of Rs. 1 lakh.
  • Rs. 5,000 LUXE Voucher on annual expenditure of Rs. 5 lakh.
  • Rs. 10,000 Taj Voucher on annual expenditure of Rs. 10 lakh.
  • Complimentary Zomato Pro and Easy Diners memberships.
  • Complimentary membership of lifestyle subscription services including Amazon Prime, Discovery Plus, Lenskart Gold, BBStar (6 months).
  • 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.

Rewards and Benefits

Welcome Benefits

40,000 Reward Points and complimentary memberships of Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold 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

Fees & Charges

Joining Fee

Rs. 10,000 (plus applicable taxes)

Renewal Fee

Rs. 10,000 (plus applicable taxes)

Spend based Waiver

Annual membership fee waived off on annual spends of Rs. 12,00,000

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

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 Charge

2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500

Add-on Card Fee

Nil

SBI AURUM Credit Card 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).

SBI AURUM Credit Card Rewards:

You earn 4 Reward Points per Rs. 100 spent using SBI AURUM Credit Card.

Reward 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.

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.

SBI AURUM Credit Card 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 Easydiner 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 SBI AURUM Credit Card. Your secretary or personal assistant can manage the account on your behalf.

How to apply:

Just like HDFC’s Infinia Credit Card, SBI AURUM Credit Card is also invite-only, therefore you can not apply for this card.

Customer Care:

SBI offers 24×7 customer care support to its credit cardholders. To report the loss of card or in case you need any assistance, you may dial their toll-free helpline number 1860 180 1290 or 1800 180 1290. Alternatively, you can also dial 39020202 (prefix STD code). You can also block your SBI credit card simply by sending an SMS – BLOCK <last 4 digits of your card number> to 5676791.

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 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 SBI AURUM Credit Card with those of its competitors.

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.

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