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Last updated: 8 November 2026
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What you earn on every spend, and the ways you can cash it in.
You earn
4 Reward Points per ₹100
Earn 4 ARP on every Rs. 100 non-fuel spend. 1 ARP = ₹ 0.25. Reward points never expire, and they can be converted to airline miles, hotel loyalty programs, or gift vouchers.
Redeem for
The privileges that come bundled in, beyond the reward points.
Unlimited complimentary access to 1000+ international airport lounges and a complimentary guest visit per quarter
4 complimentary visits to domestic airport lounges per quarter
16 complimentary golf rounds and 12 lessons annually
4 movie tickets worth Rs. 1,000 every month on bookmyshow\.com
Milestone: Rs. 1,500 Tata CLiQ voucher every month on spending Rs. 1 lakh
Annual fee reversal on reaching annual spends of Rs. 12 Lakhs
Air accidental death coverage of Rs. 3.50 Crores and flight cancellation refunds
An honest read on where this card earns its keep — and where it doesn't.
Unlimited free access to international airport lounges with DreamFolks Membership
Bonus vouchers worth up to ₹20,000 on high yearly spending
Low forex fee (1.99%), making it cheaper for international transactions
Excellent welcome stack that effectively covers the first-year fee
The card comes with a joining and annual fee of Rs. 9,999 + taxes
The SBI Card AURUM earns a 1% base reward rate, which is low for a premium tier
Higher spending thresholds required to unlock premium benefits
Fuel surcharge waiver is capped at ₹250 per month and does not apply to transactions above ₹4,000
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI Aurum Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for SBI Aurum Credit Card.
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Everything you need to know about SBI Aurum Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI Aurum Credit Card has an annual fee of ₹9,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "40,000 AURUM Reward Points (equivalent to Rs. 10,000) on payment of the joining fee, plus 1-year Club Marriott and Inflection Point Venture memberships.".
SBI Aurum Credit Card earns AURUM Reward Points at a primary rate of 4 Reward Points per ₹100. Specifically, Earn 4 ARP on every Rs. 100 non-fuel spend. 1 ARP = ₹ 0.25. Reward points never expire, and they can be converted to airline miles, hotel loyalty programs, or gift vouchers.. Spends in Super Premium, Travel, Lifestyle, Rewards categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI Aurum Credit Card can be redeemed for AURUM Portal (Vouchers / Flights / Hotels), Statement Credit, Airline & Hotel Partners via SBI's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
Yes, SBI Aurum Credit Card features complimentary airport lounge privileges. Privileges include: "Unlimited complimentary access to 1000+ international airport lounges and a complimentary guest visit per quarter". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 780 or above is strongly recommended for approval of SBI Aurum Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI Aurum Credit Card is issued on the Mastercard or Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
SBI Aurum Credit Card levies a forex markup fee of Low forex mark-up of 1.99% on international transactions. on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Aurum Credit Card currently features a welcome offer: "40,000 AURUM Reward Points (equivalent to Rs. 10,000) on payment of the joining fee, plus 1-year Club Marriott and Inflection Point Venture memberships.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unlimited free access to international airport lounges with DreamFolks Membership and Bonus vouchers worth up to ₹20. However, keep in mind that The card comes with a joining and annual fee of Rs. 9 and 999 + taxes. Overall, SBI Aurum Credit Card delivers strong value if your regular spending aligns with Super Premium, Travel, Lifestyle, Rewards.
You can apply for SBI Aurum Credit Card directly through SBI's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
