| 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 |
SBI Cards
SBI Aurum Credit Card
Travel
Reward Points
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
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About SBI Aurum Credit Card
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.
Rewards Program & Travel Benefits
- Reward Structure: The card offers 4 reward points on every Rs. 100 spent1 with the following redemption values:
- Value of 1 reward point = Rs. 0.25
- 5 reward points = 1 Maharaja Club Air India
- 4 reward points = 1 Air Asia Point
- 5 reward points = 1 Green Points (Club ITC)
- 5 reward points = 1 Avios (Qatar AIrways)
- 4 reward points = 1 Adani Rewards
- Complimentary DreamFolks membership
- Unlimited international airport lounge access with 1 per quarter for guest
- 16 complimentary domestic lounge access in a year (4 in a quarter)
- Low forex markup fee of 1.99%
Other Features & Benefits
- Activation Benefits: 40,000 AURUM reward points worth Rs. 10,0002
- Memberships: Club Marriott membership, digital subscriptions to The Wall Street Journal and Mint and Inflection Point Venture (IPV) membership worth Rs.29,382 for 1st year
- Spa: 1 complimentary Spa session at select airports per quarter- 4 in a year
- Golf: 16 complimentary golf rounds per year (4 per quarter) and 12 lessons per year
- Movies: 4 movie tickets worth Rs. 1,000 per month via BookMyShow
- Premium Perk: AURUM’s Secretarial Access3
- Monthly Milestone Benefit:Tata Cliq Fashion voucher worth Rs. 1,500 every month on spending Rs. 1 Lakh
- Annual Milestone Benefits:
Tata Cliq Luxury voucher worth Rs. 5,000 on spending Rs. 5 Lakh
Taj experience voucher worth Rs. 10,000 on spending Rs. 10 Lakh
Apple voucher worth Rs. 20,000 on spending Rs. 20 Lakh
SBI Aurum Credit Card: Fees & 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 |
|
SBI Aurum’s Comparison with other Similar Cards
Things to Know Before you apply
Get this card if:
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.
Other Similar Cards:
HDFC Infinia
ICICI Emeralde Private Metal
HDFC Diners Club Black
Axis Magnus
Paisabazaar Review
What do we like about this card?
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.
Pros
- Premium complimentary memberships
- 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 benefits
Cons
- Low reward redemption value
- Limited partners in miles transfer program
- Limited domestic lounge access
- Membership benefits limited for first year only
Frequently Asked Questions
Everything you need to know about this credit card
The credit limit offered on the SBI Aurum credit card is subjective, based on the cardholder’s profile on factors like credit history, existing loans, monthly income, etc.
Both HDFC Infinia and SBI Aurum have their own shares of pros and cons. While Infinia is a good choice for its reward rate, Aurum is suitable for users seeking premium memberships. However, most of the privileges on SBI Aurum are valid for the first year only, marking Infinia as a better choice for overall savings in the long run.
You can avail free movie tickets on the SBI Aurum Credit Card by using it for booking tickets via BookMyShow.
SBI Aurum is offered to high net-worth individuals only. To be eligible for this card, you must have an annual gross income of Rs. 40 lakh or more.
No, post feature update, the card does not offer Amazon Prime membership.
The cash advance fee for the SBI Aurum Credit Card is 2.5% of the transaction amount or Rs. 500, whichever is higher.
Footnotes
- Fuel transactions are excluded from rewards program.
- Activation benefit is subject to payment of joining fee.
- Card users can authorize a secretary or an executive assistant to interact with SBI Card on their behalf (limited interactions).
Click here to know More Terms and Conditions
Megha Khanna
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.
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