SBI introduced the AURUM Credit Card as an “Invitation-Only” Credit Card to provide a luxury experience to its customers. The SBI AURUM Credit Card flaunts a premium appearance, featuring a sleek metallic design and an elegant black finish adorned with dotted golden stripes. It has been crafted to meet cardholders’ high standards, creating experiences that will take one to the pinnacle of refinement.
This card can be suitable for high-spenders who use credit cards for all major expenses. It offers all-around benefits, including rewards, travel, entertainment, concierge service, dining, and more. The card’s memberships and privileges are crafted to complement cardholders’ elegant lifestyles.
SBI AURUM Credit Card comes with a joining and annual fee of ₹9,999. It offers welcome benefits worth 40,000, which include reward points worth ₹ 10,000, free Club Marriott Membership, Digital Membership for Mint and WSJ, a base reward rate of 1%, exclusive milestone benefits, access to free airport lounges, free golf lessons, and much more.
Key Highlights of SBI Aurum Credit Card
| Key Highlights | Joining Fee | ₹ 9,999 + taxes |
| Annual Fee/Renewal Fee | ₹ 9,999 + taxes | |
| Welcome Benefit | Get 40,000 AURUM Reward Points equivalent to ₹ 10,000 on payment of your first annual fee | |
| Best Suited For | Travel, Rewards | |
| Fuel Surcharge Waiver | 1% fuel surcharge waived off | |
| Card Category | Super-premium credit card | |
| Network Type | VISA | |
| Golf Privilege | 16 complimentary golf rounds/year | |
| Eligibility | Invite-only |
SBI Aurum Credit Card review
- Aurum is a premium credit card that offers a luxurious experience to users, It offers numerous benefits like memberships, Lounge access, Golf club access etc
- Aurum offers a low forex mark-up of 1.99% on international transactions, one of the lowest in industry.
- Aurum credit card comes with a robust safety feature, card is made of metal and a very sleek design.
- It provides a very high user experience as it is a "invite only" card designed according to users need
- Reward redemption is easy and reward points can be converted to various brand coupons.
- It is a "invite only" credit card so applying is not possible, joining and renewal fee is bit higher compared to peers.
- SBI Aurum has a very low reward rate of 1%. The card offers 4 reward points on every Rs. 100 spent on the card.
The SBI Aurum Credit card is a premium, "invite only" credit card that offers exceptional services and rewards to meet the high living standard of its users. The metal card is famous for being one of the most luxurious credit card offered by SBI Card.
Features & Benefits of SBI AURUM Credit Card
THE AURUM WELCOME Benefits
- 40,000 AURUM reward points (ARP) equivalent to ₹ 10,000 on payment of joining fee
- 1 ARP = ₹ 0.25
- Users will get complimentary memberships related to travel, lifestyle & wellness.
THE AURUM MEMBERSHIP Benefits
- Club MARRIOTT
With AURUM, indulge in profound luxurious experiences with a complimentary 1-year Club Marriott Membership.
- The Wall Street Journal and Mint
Users will get a 1-year complimentary digital subscription to The Wall Street Journal & Mint, this way users will stay updated on events happening around the globe.
- Inflection
Embrace the role of an Angel Investor with 1-year complimentary membership to Inflection Point Venture (IPV), worth ₹ 29,382
THE AURUM TRAVEL Benefits
- International travel Privilege
International Airport Lounge Access
Users can enjoy unlimited complimentary access to over 1000+ international airport lounges with a free DreamFolks Membership. Also, they can avail of a complimentary visit for guests once a quarter (4 per year)
AURUM Forex
Enjoy the exclusive privilege of the low forex mark-up of 1.99% on international transactions
- Domestic Privilege
Domestic Airport Lounge Access
Enjoy 4 complimentary domestic airport lounge access per quarter. Applicable for Add-on Cardholder(s) as well
- Domestic Spa Benefits
1 complimentary Spa access at select airports per quarter within India
The aurum golf benefits
Tee off with the AURUM
- Enjoy 16 complimentary golf rounds per calendar year (4 per quarter)
- Master the greens with 12 complimentary golf lessons per calendar year.
THE AURUM ENTERTAINMENT Benefits
With AURUM, cardholders can explore the world on the big screen with blockbusters, special premieres, documentaries, and exclusive content and cherish it for a lifetime.
BookMyShow
- Get 4 movie tickets worth ₹ 1,000 every month on bookmyshow.com
- 2 free tickets applicable per booking
- Maximum discount of ₹ 500 per booking (₹ 250 per ticket)
- Minimum 24 hours gap required between 2 bookings
- Convenience Fee charged, as applicable
The aurum concierge Benefits
SBI AURUM Credit Card offers a great concierge service that provides a feel of professional assistance for a variety of needs, including:
- Travel: Flight bookings, hotel reservations, and customized travel packages
- Golf: Golf course reservations and driving range access
- Health: Health consultations
- Gifts: Flower delivery and other gift services
THE AURUM INSURANCE Benefits
SBI AURUM Credit Card offers the following protection-related insurance benefits to its cardholders:
- Travel Insurance Coverage
Offers coverage of up to ₹ 1 lakh against flight delay and loss of baggage or luggage
- Flight Cancellation Coverage
Offers two flight cancellation refunds per year for refundable and non-refundable tickets.
Offers refundable coverage of ₹ 3,500 per ticket and non-refundable coverage of ₹ 3,500 per ticket.
- Death In Air Accident Coverage
Offers coverage of ₹ 3.5 crore on death in air accident
- Card Loss & Fraud Protection Coverage
Offers coverage of ₹ 10 lakh on card loss and fraud protection
The aurum milestone Benefits
SBI AURUM Credit Card offers various rewards for spending milestones. These can be redeemed for flights, hotels, activities and more:
- Apple Premium Reseller Gift Cards- Earn an Apple Premium Reseller gift card worth ₹ 20,000 if you spend ₹ 20 lakh in a membership year
- TataCliq Voucher: Get a voucher worth ₹ 1,500 on spending ₹ 1 lakh in a month
- TataCliq Lux Voucher: Get a voucher worth ₹ 5,000 on spending ₹ 5 lakh in a year
- Taj Voucher: Get a voucher worth ₹ 10,000 on spending ₹ 10 lakh in a month
- Annual Fee Waiver: An annual fee of ₹ 10,000 is waived on spending ₹12 lakh and above in a year
- Complimentary Subscription: Complimentary subscriptions to Amazon Prime, Discovery Plus, Zomato Pro, EazyDiner Prime & bbstar
- Free Movie Tickets: Get free movie tickets worth ₹ 12,000 per year
- Concierge Assistance: Top quality concierge assistance for hotel reservations, flight bookings and more
- Complementary Spa Access: A complimentary spa access at select airports in India every quarter
- Complimentary Annual Subscriptions: Complimentary annual subscriptions with various brands
The aurum security & convenience Benefits
- Safe & Secure
The Chip & Pin enabled SBI AURUM credit card offers enhanced security against counterfeiting and skimming, ensuring peace of mind for cardholders during transactions
- VISA Contactless Advantage
Daily purchases are now made easily with an AURUM Card. Wave your card at a secure reader and your transaction is done. It’s fast, easy, and incredibly convenient
- Fast & Convenient
For everyday small purchases, you don’t need to hand over your card or fumble around for cash. Just wave your card and walk away. It’s so easy and convenient.
- Security
The card never leaves your hand during payment, which greatly reduces the risk of card loss and fraud due to counterfeiting (skimming). Even if your card is waved over the reader multiple times, Visa payWave’s unique Security Key feature ensures that only one transaction is sufficient, making it more secure.
The aurum rewards Benefits
With exclusive privileges & an array of indulgent rewards to choose from, The AURUM ensures that each reward point is well-spent & that your RPs never expire.
Earn 4 ARPs on every non-fuel spend of every ₹ 100 on your AURUM card
1 AURUM Reward Point (ARP) = ₹ 0.25
Click here to know about SBI NRE Fixed Deposit
THE SBI AURUM CREDIT CARD: OTHER FEATURES
Add-on Cards
With this card, primary cardholders have the option to empower their family members by providing them with add-on cards. These cards can be issued to parents, spouse, children, or siblings above the age of 18, allowing loved ones to avail the benefits of the SBI Aurum Credit Card. Click here to know about more credit cards offered by SBI Card.
- Cash Access
An easy & affordable solution of cash withdrawals through 1 million + ATMs across the globe wherever cardholders travel
- AURUM Fuel Surcharge Waiver
Enjoy a 1% fuel surcharge waiver across all fuel stations in India. Applicable on transactions b/w ₹ 500 – ₹ 4,000, exclusive of GST & other charges. They will get a maximum surcharge waiver of ₹ 250 per statement cycle, per credit card account
- AURUM FlexiPay EMI
With AURUM, the cardholder can convert his transactions of ₹ 2,500 or more into easy monthly installments within 30 days of purchase. Choose the plan best suited to your financial needs & enjoy a low rate of interest.
- Balance Transfer
Transfer the outstanding balance from any other credit card to AURUM & save money with low interest rate option on balance transfer facility
- ENCASH
Get instant cash through ENCASH to easily fulfill all your needs. Pay later with convenient EMIs
The Aurum Rewards Redemption
Being a super-premium card, SBI AURUM has a very low reward rate of 1%.
Cardholders can redeem the reward points accumulated on their SBI AURUM Credit Card by visiting the dedicated AURUM rewards portal. They have the option to redeem the points for e-gift vouchers, flights, hotels, and more by paying a redemption fee of just ₹ 99 (which can also be paid using the points). 4 Reward Points = ₹ 1 (reward rate of 1% as you earn 4 Reward Points per ₹ 100 spent).
Additionally, you can also redeem reward points by transferring them to partner airlines like Club Vistara. Here, 4 Reward Points = 1 Club Vistara point. You need at least 1,000 points in multiples of 4 to convert rewards to CV points.
How to redeem reward points through SBI Reward portal
- Log in to the SBI Card portal
- Go to the ‘Rewards’ section
- Click ‘Redeem Rewards’
- Filter the points, city, and category
- Select an item from the Rewards Catalogue
- Click ‘Redeem Now’ to confirm
Fees & Charges
| Types of Charges | Details |
| Joining Fees | ₹ 9,999 + taxes |
| Annual Fees/ Renewal Fees | ₹ 9,999 + taxes (Waived off on annual spends of 12 Lakh or more in the preceding year) |
| Add-On Fee | Nil |
| Cash Advance Fee | 2.5% or ₹ 500, whichever is higher at domestic ATMs 2.5% or ₹ 500, whichever is higher at international ATMs |
| Interest Rate/ Finance Charge | 3.75% per month 45% per annum |
| Late Payment Charges | For outstanding balance- Charges Balance b/w Nil– Up to ₹ 0 – ₹ 500 ₹ 400– b/w ₹ 501 – ₹ 1,000 ₹ 750– b/w ₹ 1,001 – ₹ 10,000 ₹ 950– b/w ₹ 10,001 – ₹ 25,000 ₹ 1100– b/w ₹ 25,001 – ₹ 50,000 ₹ 1300– Above ₹ 50,000 ₹ 100– An additional Late Payment Charge of ₹ 100 will be charged on missing payment of the Minimum Amount Due (MAD) by the due date for two consecutive cycles |
| Overlimit Fee | 2.5% of the over limit amount that exceeds the credit limit or ₹ 600 whichever is higher, will be levied |
| Card Replacement Fee | ₹ 1,500 |
| Foreign Currency Mark-up Fee | 1.99 % of the transaction amount |
| Fuel Surcharge Waiver | Enjoy a 1% fuel surcharge waiver, applicable on transactions b/w ₹ 500 – ₹ 4,000, Get max. surcharge waiver of ₹ 250 per statement cycle |
| Reward Redemption Fee | ₹ 99 |
| Interest Free Credit Period | The interest-free loan period can vary b/w 20 – 50 days, depending on when the merchant submits the claim |
| Payment Dishonor Fee | 2% of Payment Amount subject to minimum charges of ₹ 500 |
| Cash Payment Fee | ₹ 250 + taxes |
| Cheque Payment Fee | ₹ 100 |
Eligibility Criteria for SBI AURUM Credit Card
The eligibility criteria to apply for SBI AURUM Credit Card is as follows:
| Eligibility Criteria | Details |
| Age | Minimum Age: 21 years (Salaried), 25 years (Self-employed) |
| Income | Annual Income ₹ 40 Lakhs & above (Gross income) |
| Occupation | Salaried or self-employed |
| Credit score | 750 or above |
| Other | “Invite – only” |
Documents Required For SBI AURUM Credit Card
Applicants will be required to submit proof of identity, address and income along with a duly filled application form for an SBI AURUM Credit Card, below is the list of acceptable documents:
How to Apply for the AURUM SBI Card
This card is currently issued to the customer on an invite-only basis. So, you can’t apply for this card. You can get this card only if you have received an invitation regarding it from the card issuer (SBI Card). Also, you should be aware of the fact that you will need high income and a handsome CIBIL score to get this card, as this is the most premium offering by the card issuer.
The aurum Customer Service
If you have any related querries/assistance, reach out to SBI Card’s customer care team via phone or email:
Dial 1860 500 2000
Email aurum@sbicard.com
FAQs
How can a consumer reset his/her Aurum Card Online User ID and Password if he/she has forgotten it?
AURUM card holders can reset their AURUM Card online credentials through the SBI Card App, by clicking on “Forgot my login details” on the login screen or by visiting aurum@sbicard.com and clicking on the “Forgot UID or Password” link.
What is the Forex markup on my AURUM Card?
AURUM- the Super Premium card offers you the privilege of a low forex markup of 1.99% on International transactions.
What is the minimum spend for annual fee reversal?
On an annual Spend of 12L, there is a Spend Base Reversal.
Can individuals directly apply for an SBI Aurum credit card?
No, you cannot directly apply for the SBI Aurum credit card. This is an invite-only credit card.
How much is the minimum income requirement to be eligible for SBI Aurum credit card?
The minimum income requirement to be eligible for SBI Aurum credit card is Rs.40 lakh.
How can a user redeem the ARPs on SBI AURUM Credit Card?
The user is provided with a dedicated AURUM Rewards portal to redeem the reward points earned on his SBI AURUM credit card. Where he can redeem the reward points for gift vouchers, flight tickets, hotel reservations etc.
What reward rate does a user get on this card?
A user earns 4 reward points for every ₹100 spent with his SBI AURUM credit card. The monetary value of 1 reward point is ₹0.25. This way he gets a reward rate of 1% on the SBI AURUM credit card.
