SBI Card
Premium · AURUM
SBI AURUM Credit Card
SBI Card
Super-premium lifestyle card with 4 RP per ₹100 and unlimited lounge access
Annual Fee
₹9,999
Joining Fee
₹9,999
Reward Rate
1.0%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹1,88,201
Total Annual Benefits
₹2,00,000
Total Annual Charges
₹11,799
ROI
1596%
Fee Waiver Available
Annual fee waived on spending ₹15 Lakh in the preceding year — ₹15,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
4 Reward Points per ₹100 on All Spends
Earn 4 reward points per ₹100 across all categories without restrictions
- • No category exclusions
4 RP per ₹100
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
- • Unlimited access at domestic airport lounges
Unlimited visits
₹1,25,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
- • Unlimited access via Priority Pass membership
Unlimited visits
₹1,05,000/yr
Travel Benefits (1)
Dedicated Concierge Services
24/7 dedicated concierge for travel bookings, restaurant reservations, and event tickets
- • Available via phone and email
24/7 concierge
Golf Privileges (1)
Golf Privileges
Complimentary golf rounds at premium golf courses across India
- • Select premium golf courses
- • Advance booking required
Up to 12 rounds/year
₹60,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
SBI Reward Points
4 RP per ₹100 on all spends
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Flights & Hotels (1 RP = ₹0.25)
- → Cashback (1 RP = ₹0.25)
- → Statement Credit
- → Charity
Milestone Bonuses
25,000 bonus reward points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
25,000 Reward Points
Additional 25,000 bonus reward points on spending ₹20 Lakh annually
Spend ₹20,00,000 annually
25,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹9,999 Excluding 18% GST |
| Annual Fee | ₹9,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,50,000
- Min. Annual Income
- ₹18,00,000
- Min. Credit Score
- 780
- Age Range
- 25 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹1,50,000
- • Self-Employed: Minimum ITR of ₹18 Lakh p.a.
- • Age 25–65 years
- • Excellent credit history required
- • Subject to internal assessment
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹1.0 Cr
Lost Card Liability
₹20.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹2.0 L
180 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹1 Crore
- • Purchase protection: ₹2 Lakh for 180 days
- • Lost card liability: ₹20 Lakh
- • Baggage delay/loss: ₹50,000
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks Mastercard Lounge
- • Domestic: Unlimited complimentary visits
- • International: Unlimited via Priority Pass
- • Guest access available at nominal charge
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹10,000
Features
Metal card Contactless payments EMV chip security Global acceptance Unlimited lounge access Dedicated concierge Golf privileges Add-on cards available EMI conversion facility Exclusive dining and lifestyle offers
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24, 36 months
Processing Fee
0.5%
Ready to Apply?
The SBI AURUM is a super-premium credit card offering 4 reward points per ₹100 across all spends, unlimited domestic and international airport lounge ...
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