SBI Card AURUM Review 2026: Fees, Rewards & Luxury Benefits
Explore SBI Card AURUM features: 40,000 bonus points, unlimited international lounge access, and low 1.99% forex fee. Is this invite-only metal card worth it?
SBI Card AURUM is a lifestyle-heavy super-premium card that excels in perks like memberships, golf, and movies rather than raw reward points. It is a top-tier choice for those who can hit the ₹1 Lakh monthly milestone to unlock the best value.
The pinnacle of refinement, crafted for the ultra-elites.
The Bottom Line
The SBI Card AURUM is a lifestyle-heavy super-premium card that excels in perks like memberships, golf, and movies rather than raw reward points. It is a top-tier choice for those who can hit the ₹1 Lakh monthly milestone to unlock the best value. With a ₹9,999 annual fee that is waived on ₹12,00,000 yearly spend, it offers 40,000 bonus points and complimentary 1-year club marriott, amazon prime,. For anyone researching sbi card aurum, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with High-Net-Worth Individual, Frequent International Traveler. The renewal fee gets easier to justify once you can hit ₹12,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThe card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.
Unlimited international lounge access for the primary holder and quarterly guest access, combined with low forex fees.
Probably not for
SkipThe ₹9,999 annual fee is only waived at ₹12 Lakhs annual spend, making it a liability for those spending less.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹12,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
SBI Card AURUM offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Milestone Benefits
Bonus Points
Bonus Points
Bonus Points
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹40 Lakhs
- Min Credit Score: 750
- Exclusively available by invitation to high-net-worth individuals, CXOs, and top-tier professionals. Existing SBI Cardholders with high limits on Elite or Prime variants may receive upgrade offers.
Exclusions & Terms
Fuel
- Excluded from reward points; eligible for surcharge waiver only.
Wallet Load
- Standard exclusion for SBI premium cards.
Rent
- Excluded from reward points and milestone calculations.
Cash Advance
- Standard exclusion.
Frequently Asked Questions
3 data-backed answers from our card database