SBI Aurum Credit Card: Passport to Exclusive Lifestyle

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SBI Aurum Credit Card

The SBI Aurum credit card from the State Bank of India (SBI) is a unique financial instrument tailored to meet its clients’ advanced requirements. By combining luxury, convenience, and rewards, it seeks to improve the lives of the wealthy with its numerous exclusive offers and advantages. 

This article review aims to explore the core of the SBI Aurum card, emphasizing its special features and how it stands out in the highly competitive field of premium credit cards

SBI Aurum Credit Card: Overview 

Credit Card Review

Type: Super premium credit card
Regular Apr: 42% p.a.
Annual Fee: ₹10,000
Foreign Transaction Fee: 1.99%

The SBI Aurum credit card’s attractive annual percentage rate (APR) of 42% annually is the main attraction of its offering. Although it is on the higher end of the range, this is reasonable considering the wealth of advantages and luxurious amenities it offers. A straightforward indication of the card’s premium status along with special benefits is the ₹10,000 annual charge. Furthermore, the card ensures that spending overseas is cheaper for individuals who travel or purchase abroad with its relatively low 1.99% foreign transaction charge.


To apply for the SBI Aurum credit card, applicants must meet specific age and income requirements.

1. Salaried Individuals

  • Minimum Age: 21 years
  • Annual Income: 40 Lakhs and above (Gross income)

2. Self-Employed Individuals

  • Minimum Age: 25 years
  • Annual Income: 40 Lakhs and above (Gross income)

Rewards and Benefits of SBI Aurum Credit Card

The SBI Aurum credit card symbolizes luxury and convenience, offering a wealth of benefits designed for the elite client’s lifestyle. The design of this card aims to enhance every aspect of the cardholder’s experience, including travel benefits and lifestyle privileges.


The SBI Aurum card is an access point to exceptional luxury, with advantages designed for the savvy elite.

  • Welcome Offer: Receive 40,000 ARP (worth ₹10,000) on joining fee payment, instantly increasing your rewards balance.
  • Exclusive Memberships: Enjoy complimentary access to premium travel, lifestyle, and wellness memberships, including Club Marriott and digital subscriptions to The Wall Street Journal and Mint.
  • Global Lounge Access: Benefit from unlimited access to over 1,000 international airport lounges with DreamFolks membership and a low forex markup of 1.99% on international transactions.
  • Domestic Perks: Avail of 4 complimentary domestic airport lounge visits quarterly, with additional spa access at select airports, enhancing your travel experience within India.
  • Golf Privileges: Improve your game with 16 complimentary golf rounds and 12 lessons annually, supporting both beginner and expert golfers.
  • Entertainment Benefits: Enjoy up to 4 movie tickets monthly via, ensuring you and a guest can experience the magic of the movies regularly.
  • Concierge and Secretarial Access: Receive premium concierge services for travel and entertainment bookings, and assign limited card management tasks to a secretary or executive assistant.


Under the applicable terms and conditions, you can earn 4 ARP on every non-fuel spend of ₹ 100 on your AURUM card.

1 AURUM Reward Point (ARP) = ₹ 0.25

With exclusive privileges and a wide range of indulgent awards, AURUM ensures that every reward point is well spent and never expires.


  • With ₹1 Lakh in monthly spend, Tata CLiQ voucher worth ₹1,500 voucher every month
  • With ₹5 Lakh annual spend, Tata CLiQ Luxury voucher worth ₹5,000
  • With ₹10 Lakh annual spend, TAJ Experiences voucher worth ₹10,000 
  • With ₹12 Lakh annual spend, Annual fee reversal worth ₹9,999 
  • With ₹20 Lakh annual spend, Apple voucher worth ₹20,000

SBI Aurum Credit Card Fees and Interest

Members of the SBI Aurum card should pay attention to the particular interest rates and fees that come with this premium offering. The most important interest and fee components of this card are:

Joining Fee₹9999+ taxes
Monthly Fee
Annual Fee (p.a.)₹9999+ taxes
Late Payment FeeUp to ₹500: ₹0 
From ₹500 to ₹1,000: ₹400
From ₹1,000 to ₹10,000: ₹750
From ₹10,000 to ₹25,000: ₹950
From ₹25,000 to ₹50,000: ₹1,100
Above  ₹50,000: ₹1,300
Foreign Transaction Fee1.99%

Pros & Cons

  • 40,000 reward points as a welcome benefit
  • Tata CLiQ Luxury vouchers worth ₹5,000 on achieving the milestone benefit.
  • No insurance benefits
  • Cancelled subscriptions from the digital firm

Pros Explained

  • The benefits of having an SBI Aurum credit card start when someone decides to apply. As an expression of appreciation and assurance of the value that awaits, a huge bonus of 40,000 reward points upon successful enrollment.
  • You will receive Tata CLiQ Luxury vouchers worth ₹5,000 if you achieve spending milestones. These benefits combine exclusivity and material rewards, improving both the shopping experience and the return on investment. 

Cons Explained

  • It does not offer insurance, like many premium cards. Lack of insurance may be a factor for those who prioritize a safety net with their financial tools. 
  • The card no longer offers previous subscription benefits, such as free access to Amazon Prime, Zomato Gold, and Discovery Plus. This change implies that the credit card will focus on other areas of premium service rather than digital lifestyle subscriptions.

Is SBI Aurum Credit Card Worth Considering?

SBI Aurum Credit Card

The worth of the SBI Aurum credit card depends on personal preferences and spending habits. The card has great welcome points, luxury vouchers upon spending milestones, and exclusive access to high-end services. However, it may be unpleasant for those seeking a well-rounded card with protective and digital features like insurance and subscriptions. 

The SBI Aurum credit card shines for individuals prioritizing rewards and exclusive experiences. Its benefits are designed to enrich a lifestyle of luxury and convenience. Evaluating what you value most in a credit card is key to deciding if this card aligns with your financial lifestyle. 


1. What is an SBI Aurum credit card?

The SBI Aurum card is a premium credit card offering a range of exclusive rewards and benefits. It’s designed for individuals seeking luxury experiences, with features like a generous welcome bonus of 40,000 reward points, milestone rewards, and access to various premium services.

2. Who issues the SBI Aurum credit card?

The SBI Aurum credit card is issued by the State Bank of India (SBI), one of the country’s leading financial institutions known for its wide range of credit card offerings catering to various customer needs.

3. How to get an SBI Aurum credit card?

To obtain an SBI Aurum credit card, applicants must meet SBI’s eligibility criteria, which often include a good fanancial health score and a stable income source. Applications can be made through SBI’s official website, by visiting a branch, or by contacting customer service.

4. Who is suitable for an SBI Aurum credit card?

This SBI Aurum credit card review shows that it is ideal for those over 21 (self-employed) and 25 (salaried) who frequently enjoy luxury dining, travel, and shopping and make at least ₹40 lakhs a year.

5. What is the highest credit limit for an SBI Aurum credit card?

The credit limit on an SBI Aurum credit card can vary widely, depending on the cardholder’s creditworthiness, income, and SBI’s internal policies. While SBI doesn’t publicly disclose the maximum limit, it’s known to offer substantial credit limits to match the spending needs of its premium customers.

Related Articles:

Read more: Credit Card Reviews

By FinxpdX Team
By FinxpdX Team
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