SBI Card AURUM
The pursuit of the extraordinary ends here.
Annual Fee
₹9,999
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
SBI Card AURUM is a status symbol designed for the elite. While its base reward rate is modest for a super-premium card, its extensive lifestyle perks, unlimited lounge access, and milestone structure provide significant value to high spenders.
Quick Match
Is this card right for you?
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Your Estimated Value
Year 1
+₹6,001
Includes ₹10,000 bonus
Year 2+
₹3,999
Why get this card
Metal card body with premium finish and weight
Unlimited domestic and international lounge access for both primary and add-on members
Complimentary high-value memberships including Amazon Prime, Zomato Gold, and EazyDiner Prime
Low foreign currency markup fee of 1.99%
+1 more benefits
- Generous milestone benefits totaling up to 48,000 points annually plus luxury vouchers
Watch out for
Invite-only criteria makes it difficult to obtain for the general public
Base reward rate of 1% is lower compared to some other super-premium competitors
High annual fee of 9,999 INR which is only waived at a high spend of 12 Lakhs
Who is this card for?
Best for
high net worth individuals
Users who value lifestyle privileges like luxury memberships and lounge access over pure cashback.
Min: ₹1,00,000/mo
frequent travelers
Those who travel extensively and need unlimited lounge access for themselves and family members.
Skip if you're
reward optimizers
Users looking for high direct reward rates on specific categories like fuel or online shopping.
Base Earning
4 AURUM Reward Points
per ₹100 spent
1.0%
effective rate
Point value: ₹0.25/point
Welcome Offer
Complimentary memberships: Amazon Prime (1 yr), Zomato Gold (1 yr), EazyDiner Prime (1 yr), Lenskart Gold (1 yr)
40,000
points
₹10,000
value
Milestones
Spend ₹1.0L
Earn 1,500 Reward Points on monthly spends of 1 Lakh
Spend ₹5.0L
Tata CLiQ Luxury/Luxottica Voucher worth 5,000 INR
Spend ₹10.0L
Taj Experience Gift Card worth 10,000 INR
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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