About SBI Bank Aurum Credit Card
SBI Aurum is a premium credit card and the most exclusive offering from SBI Card, designed for high-net-worth individuals. This SBI credit card stands out with privileges like AURUM Secretarial Access, complimentary membership to Inflection Point Venture (IPV), and digital subscriptions to The Wall Street Journal and Mint.
Along with these lifestyle perks, the card also offers strong travel credit card features such as unlimited international lounge access, low forex markup, and air miles conversion options, making it suitable for frequent travellers.
However, despite its premium positioning, the card has some drawbacks. The reward rate is relatively low at around 1%, which is less competitive compared to other premium cards. Additionally, while international lounge access is unlimited, domestic lounge visits are capped at 16 per year, which may feel restrictive for some users.
SBI Bank Aurum Credit Card Rewards Program
Rewards Program
- Earn 4 reward points per ₹100 spent on all transactions
- Reward value: 1 point = ₹0.25
Points Conversion
- 5 reward points = 1 Maharaja Club Air India point
- 4 reward points = 1 AirAsia Point
- 5 reward points = 1 Green Point (Club ITC)
- 5 reward points = 1 Avios (Qatar Airways)
- 4 reward points = 1 Adani Reward
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome / Activation Benefits
- Get 40,000 AURUM reward points worth ₹10,000 on activation
- Enjoy 1-year complimentary memberships of Club Marriott, The Wall Street Journal, Mint and Inflection Point Ventures (IPV)
Lounge & Travel Benefits
- Complimentary DreamFolks membership
- Unlimited international airport lounge access (with 1 guest visit per quarter)
- 16 complimentary domestic lounge visits per year (max. 4 per quarter)
Also Check: Best Lounge Access Credit Cards
Forex Mark-up
- Low forex mark-up fee of 1.99% on international transactions
Lifestyle Benefits
- 1 complimentary spa session per quarter (up to 4 per year) at select airports
- Get 16 complimentary golf rounds per year (max. 4 per quarter) along with 12 golf lessons annually
- Enjoy up to 4 movie tickets worth ₹1,000 every month via BookMyShow
- Access exclusive AURUM Secretarial services
Also Check: Best Entertainment Credit Cards
Monthly & Annual Milestone Benefits
- Get Tata Cliq Fashion voucher worth ₹1,500 every month on spending ₹1 Lakh
- Earn Tata Cliq Luxury voucher worth ₹5,000 on ₹5 Lakh annual spends
- Get Taj experience voucher worth ₹10,000 on ₹10 Lakh spends
- Earn Apple voucher worth ₹20,000 on ₹20 Lakh spends
Also Read: Best Milestone Benefits Credit Cards
Annual Fee Waiver
- Annual fee waived on spending ₹12 Lakh in a year
Insurance Benefits
- Travel insurance cover of ₹1 Lakh for flight delays and baggage loss
- Air accidental death cover of ₹3.5 Crore
- Get 2 flight cancellation refunds per year (including non-refundable tickets)
- Lost card and fraud protection cover of up to ₹10 Lakh
Fuel Benefit
- Save 1% on fuel surcharge (₹500–₹4,000 transactions), up to ₹250 per month
Also Read: Best Fuel Credit Cards
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: | | | 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
Click here to know More Terms and Conditions
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
- High-value welcome bonus worth ₹10,000 with premium memberships
- Strong lifestyle benefits including spa, golf and movie privileges
- Monthly and high-value annual milestone rewards up to ₹20,000
- Premium concierge (secretarial) services for exclusive assistance
- Comprehensive travel and accident insurance coverage
- Annual fee waiver on ₹12 Lakh spends
- Fuel surcharge savings up to ₹250 per month
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
For Further Support: Contact SBI Customer Care Center
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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
