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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 Private, and American Express Platinum credit cards. Previously, the ELITE Credit Card held the position as SBI Card’s most premium offering, but the Aurum Card has now replaced it. 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, Apple, and Taj upon achieving specified spending milestones. This card also offers free Club Marriott, Mint, and Wall Street Journal memberships. Keep reading to discover more about this super-premium offering from SBI Cards.

SBI AURUM Credit Card

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 Club Marriott, Wall Street Journal, and Mint

Movie & Dining

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


Complimentary domestic and international airport lounge access and complimentary airport spa access.

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


16 complimentary golf rounds each year (4 each quarter)

Insurance Benefits

Travel insurance and air accidental cover is offered

Spend-Based Waiver

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

Rewards Redemption Fee


Rewards Redemption Fee


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2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500

  • 40,000 Reward Points as a Welcome Benefit (4 Reward Points = Re. 1).
  • The card renewal fee is waived on annual spends of Rs. 12,00,000.
  • You earn 4 Reward Points per Rs. 100 was 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.
  • 4 BookMyShow movie tickets every month (max value of each ticket capped at Rs. 250).
  • 24×7 dedicated concierge service and secretarial access.


  • 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.


  • This card offers a basic reward rate.
  • Earlier subscriptions like Amazon Prime, Zomato Gold, and Discovery Plus were offered along with the card, which has since been discontinued.

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 1-year membership of Club Marriott, Wall Street Journal, and Mint.

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.
  • Unlimited international airport lounge access with complimentary membership of the Dreamfolks airport lounge program.

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.
  • Air accidental death coverage of ₹ 3.50 Crore.
  • 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 Rs. 100 spent using 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 = 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.
  • You can also transfer your Reward Points for benefits to various flight/hotel loyalty programs.
4 Reward Points 1 Club Vistara Points
5 Reward Points 1 Club ITC Green Points
4 Reward Points 1 Air Asia Point

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 3.5% 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 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.

Please share your thoughts in the comments section below.


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 Club Marriott, Mint, and the Wall Street Journal with a 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.
SBI AURUM Credit Card

SBI AURUM Credit Card



  1. Dhruval Mehta Reply

    How to apply for this card

    • Rickie Reply

      likha hua hai nhi kar sakte, this is a type of card which offers invite only.

  2. Chandra Reply

    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.

    • Ravindra Mehta Reply

      These guys are very unprofessional …They will make tall promises but not deliver.I had a bad experience with two of their team members…Ms Vruddhi Shetty and Mr Meet Shah

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