SBI Card AURUM benefits
- Gift₹1,500
voucher every month you spend ₹1 lakh
- Gift
Yearly milestone vouchers up to ₹20,000 at ₹20 lakh of spends
- Rewards4
reward points per ₹100, and points never expire
- Lounge
Unlimited international lounge access and 16 domestic visits a year
Good to know
- 1.99% foreign currency markup
- Annual fee ₹9,999, waived on ₹12 lakh of yearly spends
SBI Card AURUM rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 4 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, wallet loads, rent, digital gaming, Flexipay and merchant EMI, cash and fees.
All reward rules
- SBI Card states 1 AURUM Reward Point = ₹0.25, so 4 points per ₹100 is 1% back. Points never expire.
- Milestone vouchers: ₹1,500 every month you spend ₹1 lakh, and in a year ₹5,000 at ₹5 lakh, ₹10,000 at ₹10 lakh, ₹9,999 at ₹12 lakh and ₹20,000 at ₹20 lakh.
- Welcome benefit: 40,000 reward points (₹10,000) after you pay the first annual fee.
- Memberships include Club Marriott for 1 year and digital subscriptions to The Wall Street Journal and Mint.
- 16 golf rounds and 12 golf lessons a year.
What the SBI Card AURUM gives back in a year
Say you spend ₹1,00,000 a month. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 1% | ₹1,200 |
| Dining and food delivery | ₹6,700 | 1% | ₹804 |
| Online shopping | ₹60,000 | 1% | ₹7,200 |
| Travel | ₹3,300 | 1% | ₹396 |
| Fuel | ₹3,300 | 0% | ₹0 |
| Bills and utilities | ₹6,700 | 1% | ₹804 |
| Everything else | ₹10,000 | 1% | ₹1,200 |
| Total | ₹1,00,000 | ₹11,604 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹11,604* |
SBI Card AURUM annual fee and charges
- Joining fee
- ₹9,999
- Annual fee
- ₹9,999
- Fee waiver
- ₹12,00,000 a year
- Foreign currency markup
- 1.99%
Joining fee ₹9,999 and annual fee ₹9,999, both before GST. The renewal fee is waived if you spent ₹12 lakh or more in the previous year.
Fuel surcharge: 1% fuel surcharge waiver on fuel spends from ₹500 to ₹4,000, up to ₹250 per statement cycle.
SBI Card AURUM eligibility
SBI Card does not publish a minimum age or income for this card. SBI Card checks eligibility when you apply.
The bank alone decides approval and your credit limit.
SBI Card AURUM lounge access
16 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
4 domestic lounge visits a quarter, for add-on cardholders too. International lounge access has no fixed count: a DreamFolks membership gives unlimited visits at 1,000+ international lounges, plus one guest visit a quarter.
Is the SBI Card AURUM right for you?
A card with a ₹9,999 fee that spending can waive, paying an above-average 1% on most spends.
Worth its fee if you spend about ₹1,00,000 a month or more. Below that, the ₹9,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You want one flat rate: 1% back on most spends, with no categories to track.
- You spend ₹12,00,000 a year or more (about ₹1,00,000 a month), so the ₹9,999 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 1.99%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 16 domestic airport lounge visits a year.
Not for you if
- You spend less than about ₹1,00,000 a month: you would pay ₹11,799 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to SBI Card AURUM
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| SBI Card AURUM | ₹9,999 | 1% | -₹8,559* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹34,812 a year, against ₹11,604 with the SBI Card AURUM.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the SBI Aurum Credit Card?
The joining fee and the annual fee are ₹9,999 each, before GST. The renewal fee is waived if you spent ₹12 lakh or more in the previous year.
What is the value of an SBI Aurum reward point?
SBI Card states 1 AURUM Reward Point is worth ₹0.25. You earn 4 points per ₹100, which is 1% back, and the points never expire.
What milestone benefits does SBI Aurum give?
A ₹1,500 voucher in each month you spend ₹1 lakh. Over a year, ₹5,000 at ₹5 lakh, ₹10,000 at ₹10 lakh, ₹9,999 at ₹12 lakh and ₹20,000 at ₹20 lakh.
Does SBI Aurum give lounge access?
Yes. You get unlimited international lounge access with a DreamFolks membership, and 4 domestic lounge visits a quarter, for add-on cardholders too.