SBI Aurum Card
Fees
₹9,999 + Taxes
Joining & annual
Reward Rate
4 Reward Points per ₹100 on all spends (1% base); up to 3.7% value-back with monthly and annual milestone bonuses
Welcome Bonus
40,000 Reward Points on card activation
Lounge
4 Domestic/Qtr + Unlimited International
Our Expert Take
The SBI Aurum Card from SBI Card offers Ultra Luxury Lifestyle & High Spenders with an annual fee of ₹9,999 + Taxes.
Pros & Cons
Key Advantages
- 40,000 Reward Points welcome benefit on card activation
- Unlimited international airport lounge access plus 4 domestic visits per quarter
- 4 complimentary international lounge visits/year for an accompanying guest
- Fee waiver threshold (Annual fee waived on ₹12 Lakh annual retail spends)
Limitations
- Base reward rate of just 1% (4 points per ₹100) outside milestone bonuses, modest for this fee tier
- Rewards excluded on fuel, rent, wallet loads, and government payments
- ₹9,999 annual fee is among the highest of SBI's card lineup
Key Perks & Spending Milestones
Accelerated earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹12 Lakh annual retail spends
Fees & Charges
Joining fee
₹9,999 + Taxes
Annual fee
₹9,999 + Taxes
Annual fee waived on ₹12 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
How many lounge visits does SBI Aurum offer?
What's the base reward rate on SBI Aurum?
Does SBI Aurum include a guest lounge visit?
Compare SBI Aurum Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI Aurum Card This Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| ICICI Bank Emeralde Credit Card | ₹12,000 + Taxes | 4 Reward Points per ₹100 spent on all categories | Unlimited Domestic + International | 4.8/5 |