Aurum SBI Card
The Aurum SBI Card is a invite only credit card from SBI Card, with a joining fee of ₹9,999 + GST.
It earns up to 10 pts per ₹100 (≈2.2% value) on dining grocery departmental movies spends in the form of reward points (points).
Cardholders get 4 quarterly domestic + unlimited annual international airport lounge access, plus 40,000 reward points as a welcome benefit.
- Joining Fee₹9,999
- Annual Fee₹9,999
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
- 10 pts per ₹100 on dining grocery departmental movies
- Base 0.88% on other spends
- 40,000 Reward Points
SBIworld eliteinvite onlyRewards and Benefits
- ₹5,00,000 / annual: Tata CLiQ Luxury voucher worth ₹5,000
- ₹10,00,000 / annual: Taj voucher worth ₹10,000
- air accident: ₹3,00,00,000
- travel medical: ₹1,00,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
- Dining & food delivery₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.9% = ₹132/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.9% = ₹88/mo
- Utilities & bills₹5,000 · 0.9% = ₹44/mo
₹7,392 rewards − ₹9,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- invite only card issued by SBI Card.
- Joining / annual fee of ₹9,999 + GST, waived on annual spends of ₹12,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (4/quarterly) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
- Annual fee waivable on ₹12,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- High annual fee of ₹9,999.
- No rewards on fuel spends.
- Invite-only — limited availability.
₹10,000 welcome benefit
- 40,000 Reward PointsCard activationWindow: 90 days from issuance.
Accelerated rewards
- 10 pts per ₹100 on dining grocery departmental movies
- From 1-Dec-2024: digital gaming spends earn no rewards; government-related spends excluded; utility payments above ₹50,000/cycle attract a 1% fee.
- Rent payments attract a ₹199 processing fee; third-party education payments a 1% fee (2024).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- government
- other
Milestone benefits
- ₹5,00,000 / annual: Tata CLiQ Luxury voucher worth ₹5,000 (≈ ₹5,000 value)
- ₹10,00,000 / annual: Taj voucher worth ₹10,000 (≈ ₹10,000 value)
Airport lounge access
Insurance benefits
- air accident: ₹3,00,00,000
- travel medical: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹5,000.
Sources
- : cardinsider.com · retrieved 12 Jun 2026
- : www.business-standard.com · retrieved 12 Jun 2026
- : cardmaven.in · retrieved 12 Jun 2026
Last verified 12 Jun 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- —
- Income (self-employed)
- —
Invite-only to SBI Card's top-tier customers.
History
Past revisions as recorded in the dataset. Most recent first.
- 30 Nov 2024Reward structure changed — prior rate 4 per ₹100 (points) until 30 Nov 2024
- 31 Oct 2024Fees changed — was joining ₹9,999, annual ₹9,999 until 31 Oct 2024