Enjoy unlimited international lounge access at 1,000+ airports via DreamFolks, plus 1 free guest access per quarter and 4 domestic lounge visits quarterly.
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
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
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
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
SBI Bank Aurum Credit Card Hilights
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)
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.
Frequently Asked Questions
Everything you need to know about this credit card
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
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
State bank of india
Airport Lounge Access
Entertainment
Reward Points
