SBI Aurum Credit Card Review | Features, Benefits and eligibility

Key Highlights of SBI Aurum Credit Card
Joining Fee / Renewal FeeRs. 10,000 + GST (waived off on spending Rs. 12 lakh in a year)
Best Suited ForRewards and Travel
Card TypePremium
Welcome Benefit40,000 bonus reward points worth Rs. 10,000

Features and Benefits of SBI Aurum Credit Card

The detailed features and benefits of the SBI Aurum Credit Card are mentioned below-

Membership Benefits with SBI Aurum Credit Card

With your SBI Aurum Credit Card, you will get the following Entertainment, Dining and Lifestyle Membership benefits:

  • Amazon Prime 
  • Discovery Plus
  • Zomato Pro (Domestic)
  • EazyDiner Prime
  • BB Star (6 months)
  • Lenskart Gold

Apart from Amazon Prime and Zomato Pro (for metro cities) subscriptions, all the other memberships offered are not very useful. 

Joining and Milestone Benefits

The card offers a joining benefit of 40,000 reward points worth Rs. 10,000. The reward points are redeemable at a value of Rs. 0.25 for booking flights, hotels, and so on. 

The card also comes with milestone benefits, which look pretty lucrative. 

Milestone Spend Amount (in Rs.)Voucher
On spends of Rs. 1 lakh (monthly)Rs.1,500 TataCliq Voucher
On spends of Rs. 5 lakh (annually)Rs.5,000 LUXE voucher*
On spends of Rs. 10 lakh (annually)Rs.10,000 Taj Voucher
On spends of Rs. 12 lakh (annually)Annual fee of Rs. 10,000 waived off

*Luxe vouchers include premium brands like GAS, Hamleys, Ermenegildo Zegna, Giorgio Armani, Bottega Veneta, Jimmy Choo, Burberry etc. 

Earn Reward Points on your purchase

The reward structure of the card is very basic. Being a super-premium card, SBI Aurum has a very low reward rate of 1%. The card offers 4 reward points on every Rs. 100 spent on the card. 

Points to Note:

  • 1 Reward Points= Rs. 0.25
  • Wallet loads will not fetch reward points

Rewards Redemption

You can redeem the accumulated reward points on your SBI Aurum Credit Card by visiting the dedicated Aurum Reward portal. You have the option to redeem the points for e-gift vouchers, flights, hotels, and more. A redemption fee of Rs. 99 will be charged (which can also be paid using the points).

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4 Free Movie Tickets a month worth Rs. 1,000

SBI Aurum cardholders will get 4 free movie tickets worth Rs. 1,000 every month (a total of Rs. 12,000 annually). You can book the tickets via BookMyShow and all the offer details are mentioned here

Each ticket discount cannot be more than Rs. 250 and you are not eligible to claim more than two tickets in a single transaction. 

Travel and Airport Lounge Benefits

You can get unlimited international lounge access with this card. The details are as follows:

ServiceComplimentary Limits
Domestic Lounge4 per quarter
International Lounge*Unlimited
Airport Spa (Domestic)*1 per quarter

*Both the international lounge and spa services are powered by Dreamfolk.

The Dreamfolk membership is a digital card that can be used for international lounge access, spa, and many other airport services (paid). To enjoy the complimentary lounge visits and spa services, you have to generate a QR code from the Aurum dashboard. Being a super-premium, only 1 spa service is not very generous, it should have been at least 2 per quarter. 

The good thing here is that the international lounge access membership does not expire in 1 year as in the case of SBI Prime and SBI Elite.

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Other Benefits of SBI Aurum Credit Card

Apart from the many benefits mentioned above, the card also offers the following additional perks:

The annual fee of Rs. 10,000 is waived off on spending Rs. 12 lakh in a yearThe card offers a flight cancellation benefit as:Refundable Ticket- Coverage of Rs. 3,500 per ticketNon-Refundable Ticket- Coverage of Rs. 3,000 per ticketDedicated lifestyle concierge service for Aurum cardholdersA low foreign currency transaction fee of 1.99%

About Aurum Dashboard

SBI Card has developed a dashboard for Aurum cardholders that lists all the benefits of the card along with how to avail them. You can visit the dashboard from the card summary page on SBI card net banking or even directly. The dashboard for instance will show the Dreamfolks dragon pass membership details once you are enrolled.

Overall, this is a great feature that lets you have a better understanding of the card and all the ongoing offers, all in one place. 

SBI Aurum Credit Card- Fees and Charges

Fees / ChargesAmount
Annual Fee (one time)Rs. 10,000
Renewal Fee (per annum)Rs. 10,000
Finance ChargesUp to 3.50% per month [42% per annum]
Late Payment FeeNIL for Total Amount due from Rs.0-Rs.500;Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;Rs. 950 for Total Amount due greater than Rs. 10.000 & up to Rs. 25,000Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000Rs. 1,300 for Total Amount due greater than Rs. 50,000

Click here to check other associated fees and charges. 

Should you get an SBI Aurum Credit Card?

SBI Aurum Credit Card is best suited for those who are ready to pay a high annual fee for exclusive privileges. You should consider getting this card if:

  • You have big expenses to put on credit cards and want to get value back for the same
  • You are a frequent traveller and a frequent shopper
  • You are ready to pay a high annual fee of Rs.10,000
  • You want all-round benefits on a single credit card rather than a card focused on a single benefit

SBI Aurum Credit Card- Eligibility and Documentation

OccupationSalaried or Self-employed
Customer TypeHigh net-worth individuals (by invite only)

How to Apply for an SBI Aurum Credit Card?

SBI Aurum Credit Card is not available on Paisbazaar. The card is presently issued to the customer on an invitation-only basis. There has been an upgrade offer running by SBI Card and is sent by them to the existing customers with great credit history. However, you may show interest in the card via SBI net banking or by visiting the Aurum website. 

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