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1st Year Fee: ₹9,999* Plus Applicable Taxes
Lounge Access
Unlimited international access
International Use
Low forex mark-up fee of 1.99%
Movies
4 movie tickets per month
Author: Megha Khanna
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SBI Aurum is the most premium offering of SBI Card, designed for the ultra-elites. The card offers some exclusive privileges like AURUM’s Secretarial Access, complimentary membership to Inflection Point Venture (IPV), and digital subscriptions to The Wall Street Journal and Mint. Such perks complement the high-end lifestyle and are comparably distinct as offered by other premium cards like HDFC Infinia and ICICI Emeralde Private.
Beyond these, Aurum also offers some expected premium features like unlimited international airport lounge access, low forex markup fees, and air miles conversion, among others. However, despite these advantages, Aurum fails to match up to its competitors due to two basic yet important features.
1. Reward Rate: For a premium credit card, the card offers a very low reward rate of just 1%, in comparison to other cards like Infinia (3.33%-33%) and Emeralde Private (3%).
2. Lounge Access: While the lounge access benefits are unlimited for international lounges, domestic lounge access is limited to 16 in a year (4 per quarter).
This card is not available at Paisabazaar.com. To express interest in this card, visit the SBI Aurum’s official page.


| 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 |
|
| Particular | SBI Aurum | HDFC Diners Club Black | HDFC Infinia | Axis Magnus | ICICI Emeralde Private |
|---|---|---|---|---|---|
| Card Fee | Rs. 9,999 | Rs. 10,000 | Rs. 12,500 | Rs. 12,500 | Rs. 12,499 |
| Waiver Condition | Rs. 12 Lakh | Rs. 5 Lakh | Rs. 10 Lakh | Rs. 25 Lakh | Rs. 10 Lakh |
| Activation Benefits | Points worth Rs. 10,000
+ 1-year membership of Inflection Point Venture(IPV), Club Marriott, The Wall Street Journal and Mint. |
Memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One
(renewable) |
Points worth up to Rs. 12,500
+ Membership of Club Marriott |
Luxe gift card or The Postcard Hotels gift voucher worth Rs. 12,500 | Points worth Rs. 12,500
+ 1 year Taj Epicure membership (renewable) |
| Reward Rate | 1% | 3.33% – 33.33% | 3.33% – 33.33% | 2.4% – 12% | 3% |
| Lounge Access | Unlimited- International Domestic – 16 |
Unlimited | Unlimited | Unlimited | Unlimited |
| Guest Visits (p.a.) | 4 | – | – | 4 | – |
| Milestone Benefits | Up to Rs. 20,000 | Up to Rs. 6,000 | – | – | Up to Rs. 6,000 |
| Movies | Up to Rs. 1,000 p.m. | Optional as part of Milestone benefit | – | – | Up to Rs. 1,500 |
| Golf | 16 rounds & 12 lessons p.a. | 24 games per quarter | Unlimited | – | Unlimited |
| Other Premium Features | Aurum’s Secretarial Access |
Exclusive discounts at leading spas, salons, gyms, etc. | Hotel and Dining Benefits with ITC Hotels | Exclusive offers at international Oberoi & Trident hotels: | Travel Cancellation Cover with a refund of up to Rs. 12,000 annually |
You want to maximize only on the exclusive high-end privileges (but most of these are only for the first year).
You own another card with a high reward rate (but check if you can manage multiple cards with high fees).
You prefer SBI cards over other issuers and would like to stick to Aurum for high-end benefits.
16 domestic lounge accesses and a 1% reward rate are enough for you, as you do not frequently spend or travel.
Movies4.0/5
Travel3.5/5
Rewards3.0/5
Milestone Benefits4.0/5
The card offers a good start by compensating for a high joining fee via equivalent worth of reward points. In the first year, users also get complimentary high-end memberships. Further, the monthly and annual milestone benefits on multiple spend thresholds ranging up to Rs. 20 lakh offer good savings. It also allows miles transfer against five partners—though limited, these could still serve well for the benefit of these brand loyalists. Complimentary movies and golf benefits also add more to enhance the savings of users who like owning a single credit card.
Everything you need to know about this credit card
Click here to know More Terms and Conditions
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.