CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI Aurum Credit Card

80
Ranked #4 of 170 in credit
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SBI's flagship super-premium metal card for ultra-HNI customers, competing with HDFC Infinia and ICICI Emeralde Private, offering unique concierge/membership perks but a comparatively weak base reward rate.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value88/100 · weight 71%
≈ 4.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency41/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks79/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹9,999 + 18% GST
= ₹11,799 total
Annual fee
₹9,999 + 18% GST
= ₹11,799 / year total
Waiver: Annual fee waived on annual spend of Rs 12 lakh; no renewal bonus/vouchers given if fee is paid
Forex markup
1.99%

Lounge access

Domestic (per year)
16
International (per year)
-1

Reward structure

CategoryTypeRateCapNotes
all_spendspoints4.00%(4 pts @ ₹1.00)—4 RP/Rs100 uncapped base rate, premium tier
online_spendspoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——
fuelpoints0.00%(0 pts @ ₹0.25)——

Welcome offer

40,000 AURUM Reward Points (~Rs 10,000 value) + 1-year complimentary Club Marriott, Inflection Point Ventures (IPV, worth Rs 29,382), Wall Street Journal, and Mint memberships

Milestone benefits

Pros

  • Very strong welcome bundle (~Rs 10,000 + premium memberships)
  • unlimited international lounge access with quarterly guest visit
  • low 1.99% forex
  • 4 free movie tickets/month (direct, not BOGO — rare structure)
  • milestone system can push effective returns to ~3.7%
  • AURUM Secretarial Access is a unique concierge-style perk

Cons

  • Low 1% base reward rate, weakest among direct competitors (Infinia, Emeralde Private)
  • NO renewal bonus/points if fee is paid (unusual gap for this fee tier)
  • domestic lounge capped at 16/year despite premium positioning
  • invite-only with very high income bar (Rs 40L)
  • rent, wallet loads, government transactions excluded from rewards (though some count toward milestones)

What's inside

More benefits

  • Movie tickets

    ₹1,000

    4 complimentary movie tickets/month, Rs 250/ticket (direct, not BOGO)

    Cap ₹12,000 / monthly. Via BookMyShow/District

  • Tata CLiQ Luxury voucher milestone

    ₹5,000

    Rs5,000 voucher from Tata CLiQ Luxury on Rs5L annual spend milestone (replaced RBL Luxe, May 2023)

    Cap ₹5,000 / yearly. Rs5,00,000 annual spend

  • Unlimited domestic + international lounge access

    Unlimited complimentary airport lounge access for primary cardholder

    unlimited.

Insurance cover

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Eligibility

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Invite-only; min gross income Rs 40 lakh/annum; age 21+ salaried, 25+ self-employed

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 500-Rs 4,000 transactions; fuel excluded from reward points