State Bank of India
Aurum
The SBI Aurum Credit Card is the absolute premier card offering from SBI Card, designed especially for high-net-worth individuals and ultra-elites. It demands a joining and annual fee of Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹9,999
Joining Fee
₹9,999
Fee Waiver
Spend ₹12,00,000 annually
Lounge Access
See details
Forex Markup
1.99%
Effective Yield
1% – 4.8%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The SBI Aurum Credit Card is the absolute premier card offering from SBI Card, designed especially for high-net-worth individuals and ultra-elites. It demands a joining and annual fee of Rs. 9,999, but welcomes users with robust digital subscriptions, exclusive premium memberships, and 40,000 activation reward points that fully offset the upfront cost in value. The card is structured to accommodate the lifestyle of users seeking high-end luxury perks rather than just basic transactions.
What We Like
We like that the card fully offsets its high joining fee by offering welcome reward points of equal value alongside premium annual memberships. Furthermore, the extensive suite of entertainment perks, spa sessions, and tiered monthly and annual milestone rewards provide significant value for high spenders.
Pros
- ✓Complimentary premium memberships including Club Marriott, Inflection Point Venture (IPV), and digital subscriptions to The Wall Street Journal and Mint
- ✓Four complimentary movie tickets worth Rs. 1,000 every month via BookMyShow
- ✓Unlimited international airport lounge access with complimentary guest visits limited to 1 per quarter
- ✓Low foreign currency markup fee of 1.99%
- ✓Activation benefits worth the joining fee of Rs. 9,999 (40,000 reward points worth Rs. 10,000)
- ✓Significant savings through tiered monthly and annual milestone vouchers
Cons
- ✗Low reward earning rate of just 1%
- ✗Limited number of partner programs for air miles transfer
- ✗Restricted domestic airport lounge access of 16 visits per year (4 per quarter)
- ✗Premium membership benefits are largely restricted to the first year only
Get This Card If
- ✓You want to maximize only on the exclusive high-end privileges (but most of these are only for the first year).
- ✓You own another card with a high reward rate (but check if you can manage multiple cards with high fees).
- ✓You prefer SBI cards over other issuers and would like to stick to Aurum for high-end benefits.
- ✓16 domestic lounge accesses and a 1% reward rate are enough for you, as you do not frequently spend or travel.
Earning & Redemption
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1 Lakh | Monthly Milestone | ₹1,500 (Tata Cliq Voucher) | Earn a ₹1,500 voucher every month you spend ₹1 Lakh. (Total ₹18,000/year). |
| ₹5 Lakh | Annual Milestone 1 | ₹5,000 (Tata Cliq Luxury) | Earn a ₹5,000 voucher upon reaching ₹5 Lakhs annual spend. |
| ₹10 Lakh | Annual Milestone 2 | ₹10,000 (Taj Voucher) | Earn a ₹10,000 Taj Experience voucher upon reaching ₹10 Lakhs annual spend. |
| ₹20 Lakh | Annual Milestone 3 | ₹20,000 (Apple Voucher) | Earn a ₹20,000 Apple Store voucher upon reaching ₹20 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Aurum Portal (Vouchers/Travel) | ₹0.25 per point1:1 Ratio | Best Value (Redeem for luxury brand vouchers or travel bookings) |
| Air Miles Transfer | Variable5:1 Ratio | Moderate (Partners: Maharaja Club, Qatar Airways Avios, Club ITC) |
| Statement Credit (Cash) | N/ANot Supported | Aurum does not support direct statement credit; use points for vouchers. |
What You Need to Know
Exclusion from 2026 Capping
Unlike SBI Prime/Elite, Aurum is exempt from the 60k-point monthly redemption cap.
Impact: Allows ultra-high spenders to redeem large point balances without bottlenecking.
The 'Lounge Guest' Limit
Unlimited international access for primary, but guest visits are capped at 4 per year (1/qtr).
Impact: If traveling with family, you must use add-on cards to keep lounge visits free.
2026 Forex Markup
Forex markup remains at 1.99%, beating the standard 3.5% on most SBI cards.
Impact: Makes it a viable international shopping card, though Yes Marquee (1%) is still better.
Subscription Expiry
WSJ, Mint, and IPV memberships are for 1 year and don't always auto-renew on spends.
Impact: Users must manually track and re-activate these perks every anniversary.
Essential Fine Print
Reward Exclusions
No Reward Categories: Reward points are not earned on Fuel, Rent, Cash Advances, and Balance Transfer transactions.
Welcome Offer
Welcome Reward Points
40,000 Reward Points credited upon payment of the joining fee.
Complimentary 1-year Club Marriott Membership.
With AURUM, indulge in profound luxurious experiences with a complimentary 1-year Club Marriott Membership.
Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint.
Stay in touch with the events of the world as they happen, with complimentary 1-year digital subscriptions to The Wall Street Journal and Mint.
1-year complimentary membership to Inflection Point Venture(IPV)
Embrace the role of an Angel Investor with 1-year complimentary membership to Inflection Point Venture(IPV), worth Rs.29,382.
Lounge Access
Unlimited International Lounge Access
Unlimited complimentary access to 1,000+ international airport lounges for primary and add-on cardholders via Dreamfolks membership.
Domestic Lounge Access
4 complimentary Domestic Airport Lounge visits per quarter. Applicable for Add-on Cardholder(s) as well.
Travel Benefits
Low Forex Markup
Foreign currency mark-up of 1.99% on all international transactions.
Complimentary Golf
4 complimentary green fee rounds and 12 golf lessons per calendar year.
Complimentary Airport Spa
One complimentary Spa access at select airports every quarter within India
Dining Benefits
District by Zomato
Enjoy 15% instant discount on District (dining) with AURUM Credit Card.
Golf Benefits
Golf Privileges
Enjoy 16 complimentary golf rounds per calendar year (4 per quarter) Master the greens with 12 complimentary golf lessons per calendar year
Milestone Benefits
Monthly Milestone
TataCliq Fashion Voucher worth ₹1,500 on reaching a monthly spend of ₹1 Lakh.
Annual Milestone - ₹5 Lakh
₹5,000 TataCliq LUXURY voucher on reaching annual spends of ₹5 Lakh.
Annual Milestone - ₹10 Lakh
₹10,000 Taj Experiences Luxury voucher on reaching annual spends of ₹10 Lakh.
Annual Milestone - ₹12 Lakh
Annual Fee reversal worth ₹9,999
Annual Milestone - ₹20 Lakh
Apple voucher worth ₹20,000
Additional Features
Concierge Services
24x7 dedicated lifestyle concierge for travel, dining, and assistance.
Comprehensive Insurance
Air accident cover of ₹3.5 Crore and lost card liability cover of ₹10 Lakh.
BookMyShow Discount
Up to ₹1,000 off on movie tickets every month (capped at ₹500/booking).
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹9,999 |
| Annual / Renewal Fee | ₹9,999 |
| Fee Waiver Threshold | Spend ₹12,00,000 annually |
| Forex Markup | 1.99% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Invitation Only
This card is offered exclusively via invitation to high-net-worth individuals.
Ready to apply for Aurum?
Annual fee: ₹9,999 · Waived on ₹12,00,000 spend
Frequently Asked Questions
Annual fee
₹9,999
1% – 4.8% yield