Key Highlights of SBI Aurum Credit Card | |
| Joining Fee / Renewal Fee | Rs. 10,000 + GST (waived off on spending Rs. 12 lakh in a year) |
| Best Suited For | Rewards and Travel |
| Card Type | Premium |
| Eligibility | Invite-only |
| Welcome Benefit | 40,000 bonus reward points worth Rs. 10,000 |
Features and Benefits of SBI Aurum Credit Card
The detailed features and benefits of SBI Aurum Credit Card are mentioned below-
Membership Benefits with SBI Aurum Credit Card
With your SBI Aurum Credit Card, you will get the following Entertainment, Dining and Lifestyle Membership benefits:
- Amazon Prime
- Discovery Plus
- Zomato Pro (Domestic)
- EazyDiner Prime
- BB Star (6 months)
- Lenskart Gold
Apart from Amazon Prime and Zomato Pro (for metro cities) subscriptions, all the other memberships offered are not very useful.
Joining and Milestone Benefits
The card offers a joining benefit of 40,000 reward points worth Rs. 10,000. The reward points are redeemable at a value of Rs. 0.25 for booking flights, hotels, and so on.
The card also comes with milestone benefits, which look pretty lucrative.
| Milestone Spend Amount (in Rs.) | Voucher |
| On spends of Rs. 1 lakh (monthly) | Rs.1,500 TataCliq Voucher |
| On spends of Rs. 5 lakh (annually) | Rs.5,000 LUXE voucher* |
| On spends of Rs. 10 lakh (annually) | Rs.10,000 Taj Voucher |
| On spends of Rs. 12 lakh (annually) | Annual fee of Rs. 10,000 waived off |
*Luxe vouchers include premium brands like GAS, Hamleys, Ermenegildo Zegna, Giorgio Armani, Bottega Veneta, Jimmy Choo, Burberry etc.
Earn Reward Points on your purchase
The reward structure of the card is very basic. Being a super-premium card, SBI Aurum has a very low reward rate of 1%. The card offers 4 reward points on every Rs. 100 spent on the card.
Points to Note:
- 1 Reward Points= Rs. 0.25
- Wallet loads will not fetch reward points
Rewards Redemption
You can redeem the accumulated reward points on your SBI Aurum Credit Card by visiting the dedicated Aurum Reward portal. You have the option to redeem the points for e-gift vouchers, flights, hotels, and more. A redemption fee of Rs. 99 will be charged (which can also be paid using the points).
Suggested Read: Which are the best rewards credit card in India?
4 Free Movie Tickets a month worth Rs. 1,000
SBI Aurum cardholders will get 4 free movie tickets worth Rs. 1,000 every month (a total of Rs. 12,000 annually). You can book the tickets via BookMyShow and all the offer details are mentioned here.
Each ticket discount cannot be more than Rs. 250 and you are not eligible to claim more than two tickets in a single transaction.
Travel and Airport Lounge Benefits
You can get unlimited international lounge access with this card. The details are as follows:
| Service | Complimentary Limits |
| Domestic Lounge | 4 per quarter |
| International Lounge* | Unlimited |
| Airport Spa (Domestic)* | 1 per quarter |
*Both the international lounge and spa services are powered by Dreamfolk.
The Dreamfolk membership is a digital card that can be used for international lounge access, spa, and many other airport services (paid). To enjoy the complimentary lounge visits and spa services, you have to generate a QR code from the Aurum dashboard. Being a super-premium, only 1 spa service is not very generous, it should have been at least 2 per quarter.
The good thing here is that the international lounge access membership does not expire in 1 year as in the case of SBI Prime and SBI Elite.
Also Read: Best Credit Cards for Airport Lounge Access
Other Benefits of SBI Aurum Credit Card
Apart from the many benefits mentioned above, the card also offers the following additional perks:
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About Aurum Dashboard
SBI Card has developed a dashboard for Aurum cardholders that lists all the benefits of the card along with how to avail them. You can visit the dashboard from the card summary page on SBI card net banking or even directly. The dashboard for instance will show the Dreamfolks dragon pass membership details once you are enrolled.
Overall, this is a great feature that lets you have a better understanding of the card and all the ongoing offers, all in one place.
Exclusive Card Offers from India’s top banks are just a click away
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SBI Aurum Credit Card- Fees and Charges
| Fees / Charges | Amount |
| Annual Fee (one time) | Rs. 10,000 |
| Renewal Fee (per annum) | Rs. 10,000 |
| Finance Charges | Up to 3.50% per month [42% per annum] |
| Late Payment Fee |
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Click here to check other associated fees and charges.
Should you get an SBI Aurum Credit Card?
SBI Aurum Credit Card is best suited for those who are ready to pay a high annual fee for exclusive privileges. You should consider getting this card if:
- You have big expenses to put on credit cards and want to get value back for the same
- You are a frequent traveller and a frequent shopper
- You are ready to pay a high annual fee of Rs.10,000
- You want all-round benefits on a single credit card rather than a card focused on a single benefit
| SBI offers credit cards across different categories. Apply Online for Best SBI Credit Cards and find the right card for you. |
SBI Aurum Credit Card- Eligibility and Documentation
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Customer Type | High income individuals (by invite only) |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
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How to Apply for an SBI Aurum Credit Card?
SBI Aurum Credit Card is not available on Paisbazaar. The card is presently issued to the customer on an invitation-only basis. There has been an upgrade offer running by SBI Card and is sent by them to the existing customers with great credit history. However, you may show interest in the card via SBI net banking or by visiting the Aurum website.
Cards Similar to SBI Aurum Credit Card
| Credit Card | Annual Fee (Excluding Taxes) | Premium Highlight | Eligibility Criteria* |
| HDFC Bank Infinia | Rs. 10,000 | Unlimited free golf games at select courses worldwide. | By Invitation Only |
| HDFC Bank Diners Club Black | Rs. 10,000 | Annual Memberships (MMT DoubleBlack, Club Marriott, etc.) | Minimum Income: 1.75 lakh per month |
| ICICI Bank Emeralde | Rs. 12,000 | Unlimited Lounge Access No over the limit, cash withdrawal or late payment charges | Minimum Income: Rs. 3 lakh per month or ICICI Bank Global Private Client |
| SBI Card ELITE | Rs. 4,999 | Free Memberships (Club Vistara, Priority Pass, etc.) | Minimum Income: Rs. 60,000 per month |
| Standard Chartered Ultimate | Rs. 4,999 | Get access to select golf courses in India and 150 courses worldwide | Minimum Income: Rs. 2 Lakh per month |
| YES First Exclusive | Rs 9,999 | Unlimited Priority Pass access | Minimum Income: Rs. 4 lakh per month |
*Minimum income shown is for salaried applicants only. Income and other eligibility criteria for self-employed applicants may be different.
FAQs
Is SBI Aurum worth it?
If you are willing to spend Rs. 10,000 that provides you premium benefits on travel, shopping, etc. then you can consider this card. However, if you are going to use it as your primary credit card then you will be able to avail maximum benefits out of it.
How can I apply for an SBI Aurum credit card?
SBI Aurum is an invite-only credit card. If you are interested in this card, you can log in to SBI net banking or visit the SBI Aurum website.
What is the minimum income requirement for this credit card?
SBI Aurum is an invite-only card and the minimum income requirement will be disclosed only at the time of application.
Will I get an Amazon Prime membership with the SBI Aurum Credit Card?
Yes, you will get Amazon Prime, Discovery Plus, Zomato Pro (Domestic), EazyDiner Prime, BB Star and Lenskart Gold membership along with this credit card.
What is the cash advance fee charged on SBI Aurum Credit Card?
The cash advance fee for SBI Aurum Credit Card is 2.5% of the transaction amount or Rs. 500, whichever is higher.