About SBI Bank Aurum Credit Card
SBI Aurum is SBI Card’s most premium credit card, designed for high-net-worth individuals. It offers elite perks like secretarial access, free IPV membership, and subscriptions to The Wall Street Journal and Mint. You also get unlimited international lounge access, low forex fees, and air miles conversion.
The SBI Aurum card has two main drawbacks. It offers a low reward rate of just 1%, which is significantly lower than cards like Infinia and Emeralde Private. Also, domestic lounge access is limited to 16 visits per year, even though international lounge access is unlimited.
- Available by invitation or premium relationship with SBI
- High annual fee compensated with luxury benefits and offers
SBI Bank Aurum Credit Card Rewards Program
Reward Structure: Earn 4 Reward Points per ₹100 spent
Redemption Value:
- 1 RP = ₹0.25
- 5 RP = 1 Maharaja Club (Air India)
- 4 RP = 1 AirAsia Point
- 5 RP = 1 Green Point (Club ITC)
- 5 RP = 1 Avios (Qatar Airways)
- 4 RP = 1 Adani Reward
Travel Benefits:
- Complimentary DreamFolks membership
- Unlimited international lounge access (includes 1 guest per quarter)
- 16 domestic lounge visits annually (4 per quarter)
- Low forex markup fee of 1.99%
Other Features and Benefits
Activation Benefits
- 40,000 AURUM Reward Points (worth ₹10,000)
Exclusive Memberships (1st Year Only)
- Club Marriott
- The Wall Street Journal & Mint (digital)
- Inflection Point Venture (IPV) – Combined worth ₹29,382
Luxury Lifestyle Privileges
- Spa: 1 complimentary airport spa session per quarter (4 per year)
- Golf: 16 complimentary golf rounds per year + 12 lessons
- Movies: 4 BookMyShow movie tickets per month (worth ₹1,000)
- AURUM’s Secretarial Access: Concierge-style premium support
Milestone Benefits
- Monthly: ₹1,500 Tata Cliq Fashion voucher on ₹1L spend
- Annual:
- ₹5,000 Tata Cliq Luxury voucher on ₹5L spend
- ₹10,000 Taj Experience voucher on ₹10L spend
- ₹20,000 Apple voucher on ₹20L spend
- Annual Fee Waiver: On annual spend of ₹12L
Fuel Surcharge Waiver
- 1% waiver (up to ₹250/month) on fuel spends between ₹500–₹4,000
Insurance Coverage
- ₹1L Travel insurance for flight delay & baggage loss
- ₹3.5 Cr Air accidental death cover
- 2 flight cancellations refunded per year (any airline)
- ₹10L Lost Card & Fraud Protection
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 9,999 |
| Annual Fee | Rs. 9,999 |
| Card Replacement Fee | Rs. 1,500 |
| Rewards Redemption Fee | Waived |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | Total Amount Due: | Amount | | Rs.0 - Rs. 500 | Nil | | Rs. 501- Rs. 1000 | Rs. 400 | | Rs. 1,001- Rs. 10,000 | Rs. 750 | | Rs. 10,001 - Rs. 25,000 | Rs. 950 | | Rs. 25,001 - Rs. 50,000 | Rs. 1,100 | | Greater than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI Bank Aurum Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Bank Aurum Credit Card Highlights
What do we like about this card?
- Complimentary Zomato Pro & Club Marriott Membership
- Unlimited Domestic & International Airport Lounge Access
- 24x7 Luxury Concierge Services
- Comprehensive Insurance Coverage
- Premium Metal Card Design for Elite Appearance
- High Reward Point Value (1 RP = ₹0.25)
Things to Know Before you apply
Get this card if:
- You want to enjoy exclusive high-end privileges, especially in the first year
- You already have another card with a higher reward rate to complement this one
- You prefer SBI Cards and want premium benefits under the same issuer
- 16 domestic lounge visits and a 1% reward rate suit your limited travel and spending needs
Pros
- Premium complimentary memberships (Zomato Pro, Club Marriott, etc.)
- 4 free movie tickets every month
- Unlimited international lounge access with free guest visits
- Low forex markup fee
- Activation benefits worth the joining fee
- Monthly and annual milestone rewards
Cons
- Low reward redemption value (1 RP = ₹0.25)
- Limited partners for air miles transfer
- Limited domestic lounge access (16/year)
- Most membership benefits valid only for the first year
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number.
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Frequently Asked Questions
No, the SBI AURUM Credit Card is an invite-only card offered exclusively by SBI Cards. You cannot apply for it directly.
To be eligible for the SBI AURUM Credit Card, you must have an annual gross income of Rs. 40 lakh or more.
The cash advance fee is 2.5% of the transaction amount or Rs. 500, whichever is higher.
The SBI AURUM Credit Card has a foreign currency mark-up fee of 1.99% on all international transactions.
The card provides complimentary memberships to:
- Amazon Prime
- Discovery Plus
- EazyDiner Prime
- BB Star
- Lenskart Gold
- Club Marriott
- Mint
- The Wall Street Journal
