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 ₹10,000 as a joining benefit.
• Complimentary 1-year membership of Club Marriott, Wall Street Journal, and Mint.
• Cardholders shall be eligible for free access to the Angel Investor Network (Inflection Point Venture) for one year.

Golf Benefits

• Enjoy 16 complimentary golf rounds per calendar year (4 per quarter).
• Master the greens with 12 complimentary golf lessons per calendar year.

Monthly Spends Benefits

• Tata CliQ voucher worth Rs. 1,500 on the monthly expenditure of Rs. 1 lakh.

Yearly Spends Benefits

• 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.
• Apple vouchers worth Rs. 20,000 on yearly spends of Rs. 20 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 include 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 the Visa/MasterCard Domestic Lounge Program for primary and add-on cardholders.
• Unlimited international airport lounge access with complimentary membership of the Dreamfolks airport lounge program. One complimentary guest visit each quarter is also offered.

Movie Benefits

• 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 an 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.

Insurance Benefits

• Travel insurance coverage of ₹ 1 Lakh for flight delay and loss of goods or baggage during travel.
• Two flight cancellation refunds per year from any airline (both for refundable and Non-Refundable tickets).
• Lost Card & Fraud Protection coverage of ₹ 10 Lakhs.

SBI Aurum Card Rewards

You earn 4 Reward Points per ₹100 spent using the Aurum SBI Credit Card.

Reward Points Redemption

• The Reward Points earned can be redeemed for gift vouchers, flight bookings, and hotel reservations on the dedicated AURUM Rewards portal.
• 4 Reward Points = ₹1 (reward rate of 1% as you earn 4 Reward Points per ₹100 spent).
• A reward redemption fee of Rs. 99 (plus applicable taxes) per redemption request is chargeable.
• You can also transfer your Reward Points for benefits to various flight/hotel loyalty programs.

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 annual fees 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 3.75% per month, i.e., 45% 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 fulfill 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.

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 Private, 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.

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