SBI AURUM Credit Card
SBI Bank
Expert Rating
₹9,999
₹9,999
1.99%
16 visits/yr
Contents
SBI Card AURUM is a super-premium lifestyle and travel credit card that rewards high spenders with generous lounge access, milestone benefits and concierge services. Ideal for frequent travellers and dining enthusiasts, it combines strong reward rates with premium memberships and travel privileges.
Features of SBI AURUM Credit Card which makes it unique
Premium Memberships
Complimentary lifestyle memberships and privileges
Access to dining, streaming and shopping memberships
Competitive with other super-premium cards
High Milestone Rewards
Tiered vouchers and credits for large spenders
Significant value for high spenders
Generous milestone programme
Rewards Structure of SBI AURUM Credit Card
Base
baseAll non-fuel transactions
Standard earn rate on eligible spends.
Dining
acceleratedDining transactions at restaurants
High earn on dining and lifestyle spends.
Milestones
baseMonthly and annual spends
Monthly milestone benefits on meeting spend thresholds; larger annual milestones for very high spends.
Milestones of SBI AURUM Credit Card
Monthly Milestone
₹100,000 : ₹1,500 TataCliq voucher (example monthly benefit)
Annual Milestone - Tier 1
₹500,000 : ₹5,000 TataCliq Luxury e-Gift voucher
Annual Milestone - Tier 2
₹1,000,000 : Higher-value travel vouchers
Fees & Charges of SBI AURUM Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹9,999 |
| Annual Fee | ₹9,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal fee waived on ₹1,200,000 annual spend in preceding year.
Fee Explanation Standard bank rates and charges apply for overdue amounts and cash transactions.
Lounge Access Benefits with SBI AURUM Credit Card
domestic Lounges
goldVisits per year: 16
Guest access: Yes
Up to 4 visits per quarter for primary cardholder; guest access as per T&Cs
international Lounges
platinumVisits per year: 0
Guest access: Yes
DreamFolks / Priority Pass access to 1,000+ lounges
Insurance Coverage with SBI AURUM Credit Card
travel insurance
Varies (check T&Cs)Subject to ticket booking and activation rules
purchase protection
₹50,000Valid within 90 days of purchase; T&Cs apply
Additional Features of SBI AURUM Credit Card
Contactless Payments
Tap-to-pay enabled
Concierge Service
Dedicated concierge for travel and lifestyle needs
Subject to membership T&Cs
Welcome Bonus with SBI AURUM Credit Card
Welcome Bonus: 40,000 AURUM Reward Points
Bonus Conditions: Welcome points awarded on payment of first annual fee; activation and T&Cs apply.
Application Process for SBI AURUM Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via AURUM / SBI Card portal
Upload KYC documents
Receive verification and approval
Card dispatched as per bank timelines
Required Documents for SBI AURUM Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI AURUM Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI AURUM Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹80,000
Minimum annual income
Who Can Apply
Important Conditions
- Subject to SBI Card eligibility and KYC; invite or approval criteria may apply.
How Approval Is Decided
- Sufficient income and credit history
- Indian residency and KYC completion
- SBI Card internal eligibility checks
Pros of SBI AURUM Credit Card
- Generous welcome bonus
- Unlimited international lounge access
- Robust milestone rewards for high spenders
Cons of SBI AURUM Credit Card
- High joining and annual fee
- Best value only for very high spenders
Frequently Asked Questions about SBI AURUM Credit Card
What is the joining and annual fee?
The joining and annual fee is ₹9,999 + taxes; waiver conditions apply on high annual spends.
How do I get the welcome bonus?
Welcome points are awarded on payment of the first annual fee and subject to activation and T&Cs.
What lounge access does the card offer?
Unlimited international lounge access and up to 16 domestic visits a year (4 per quarter) via DreamFolks / Priority Pass programmes.
What is the forex markup fee?
Forex markup is 1.99% on international transactions.
Who is eligible to apply?
Subject to SBI Card eligibility; typically available to salaried and self-employed applicants who meet income and credit criteria; some variants may be invite-only.
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