SBI Aurum Credit Card

An extremely premium credit card by invitation only, SBI Aurum. The card offers comprehensive perks related to rewards, travel, entertainment, concierge service, etc. You also have access to memberships from renowned dining, entertainment, and lifestyle brands. High spenders who utilize a credit card for all large purchases may find this card to be a good fit.
With the introduction of the AURUM Credit Card, SBI Card joined the market for super-premium credit cards. The HDFC Bank Infinia, ICICI Bank Emeralde, and American Express Platinum credit cards are in direct rivalry with the AURUM Credit Card. The Aurum Card has now supplanted the ELITE Credit Card as the most expensive SBI Card option.

SBI AURUM Credit Card has a metallic finish and a classy black finish with scattered golden stripes to give it a premium appearance. Because it’s a premium credit card, in addition to the usual perks of Reward Points, you also get a lot of free benefits, such free memberships to some of the most well-known subscription services, like Amazon Prime, Discovery Plus, BBStar, Zomato Pro, and Eazydiner Prime. When you reach the required spending milestones, TataCliq, LUXE, and Taj may additionally give you free gift cards.

Fees And Charges Of SBI Aurum Credit Card

Fees / Charges	Amount
Annual Fee (one time)	Rs. 10,000
Renewal Fee (per annum)	Rs. 10,000
Finance Charges	As much as 3.50% every month [42% annually]
Late Payment Fee	NIL for the total amount owed between Rs. 0 and Rs. 500; Rs. 400 for the total amount owed between Rs. 500 and Rs. 1000; Rs. 750 for the total amount owed between Rs. 1000 and Rs. 10,000; Rs. 950 for the total amount owed between Rs. 10.000 and Rs. 25,000; Rs. 1,100 for the total amount owed between Rs. 25,000 and Rs. 50,000; and Rs. 1,300 for the total amount owed over Rs. 50,000

Features And Benefits Of SBI Aurum Credit Card

The Aurum Credit Card, a super premium credit card, offers special benefits in a variety of categories, such as travel, reward programmes, and many more. Refer to all the points listed below to comprehend the SBI Aurum Card’s specific features and advantages:

Welcome Benefits

• As a welcome bonus, you receive 40,000 Reward Points worth Rs. 10,000.
• Free six-month subscriptions to BBStar, Lenskart Gold, Eazydiner Prime, Amazon Prime, Discovery Plus, and Zomato Pro.

Milestone Benefits

• A Rs. 1,500 TataCliq voucher for every Rs. 1 lakh in monthly spending.
• A Rs. 5,000 LUXE voucher after spending Rs. 5 lakh in a year.
• On annual expenditures of Rs. 10 lakh, a Taj coupon of Rs. 10,000 is awarded.

Milestone Spend Amount (in Rs.)	Voucher
On monthly expenditures of Rs. 1 lakh	Rs.1,500 TataCliq Voucher
On annual expenditures of Rs. 5 lakh	Rs.5,000 LUXE voucher*
On annual expenditures of Rs. 10 lakh	Rs.10,000 Taj Voucher
On annual expenditures of Rs. 12 lakh	10,000 rupees in annual fees are waived.

Travel Benefits

• At domestic airports, you are only given a certain amount of free lounge access, however at foreign airports, you are given unlimited free lounge access. In addition to lounge access, several domestic airports offer free spa access.
• Benefits for flight cancellation include a cover of Rs. 3,000 for non-refundable tickets and Rs. 3,500 for refundable tickets. The refund does not include the taxes and convenience fees on the ticket, and these flight cancellation benefits can only be used two times per year.

Service	Complimentary Limits
Domestic Lounge	4 per quarter
International Lounge*	Unlimited
Airport Spa (Domestic)*	1 per quarter

Airport Lounge Access

• Under the Visa/MasterCard Domestic Lounge Programme, four free visits to domestic airport lounges are provided every three months.
• Free membership to the Dreamfolks airport lounge programme grants access to all international lounges.

Dining And Movie Benefits

• For a total of Rs. 12,000 per year, SBI Aurum cardholders will receive 4 free cinema tickets worth Rs. 1,000 each month. Memberships to Eazydiner Prime and Zomato Pro are free.
• 4 movie tickets per month from BookMyShow, with a maximum price of Rs. 250 per ticket. There is a 2 ticket maximum per order, and there is a 24 hour cooling off period before another order may be placed.

SBI AURUM Credit Card Dedicated Services:

• With the SBI AURUM credit card, you receive a personal 24/7 lifestyle concierge service. The concierge can assist you with gift delivery, lodging recommendations, flight ticket bookings, and hotel reservations.
• On your Aurum SBI Credit Card, you also have access to a secretary. You can delegate the management of the account to your secretary or personal assistant.

Earn Reward Points On Your Purchase

The card’s reward system is quite straightforward. SBI Aurum, a super-premium card, has an extremely low reward percentage of just 1%. For every Rs. 100 that is charged to the card, 4 reward points are awarded.

Important Points:

• A reward point equals 0.25 rupees
• No reward points will be earned once wallet loads.

Reward Points Redemption

• On the specialized AURUM Rewards platform, the earned Reward Points can be exchanged for gift cards, airline and hotel reservations, and other items.
• As you get 4 Reward Points for every Rs. 100 spent, there is a 1% reward rate.
• There is a Rs. 99 (plus applicable taxes) incentive redemption fee per redemption request.

About Aurum Dashboard

For Aurum cardholders, SBI Card has created a dashboard that details all of the card’s advantages and explains how to take advantage of them. On the SBI card Net Banking card summary page, or even directly, you can access the dashboard. When you enrol, the dashboard, for instance, will display information about your Dreamfolks dragon pass membership.

Overall, this is a fantastic feature that gives you a central location to view all of the current deals and have a better understanding of the card.

Should You Get An SBI Aurum Credit Card?

The SBI Aurum Credit Card is ideal for people who are willing to spend a high annual fee in exchange for special benefits. Consider purchasing this card if:

• You want to obtain value back for the same large expenses you plan to charge to credit cards.
• You travel frequently and shop frequently.
• You agree to pay a hefty yearly fee of Rs. 10,000.
• Instead of a credit card that only offers one perk, you choose one that offers multiple benefits.

Eligibility Criteria For SBI Aurum Credit Card

There are no pre-established qualifying requirements to obtain the SBI Aurum Credit Card because it is an invite-only card. However, you need to be meeting these criteria:

• The SBI Credit Card has a minimum age requirement of 21 years and a maximum age requirement of 60 years.
• A credit score of 750 or higher is required.
• 2 Lakh is the required minimum annual income to apply for a credit card.
• The applicant must present at least the last three months’ worth of pay stubs, a bank statement indicating three consecutive months of wage deposits, along with verification of their legal identity, address, and age.

Documents Required To Apply For SBI Aurum Credit Card

Both Salaried And Self-Employed

• Filled-out application
• Most recent passport-size pictures
• Documentation proving your identity, such as an extra copy of your passport with PAN, or Aadhar
• Evidence of residency (bills for utilities, a driver’s license, a PAN, an Aadhaar, etc.)

Salaried- Income proof

• Recent pay stubs
• Form 16, and
• Bank statements

Self-employed- Income Proof

• Income evidence
• Accounts Statement
• Evidence of business

How To Apply Online For SBI Aurum Credit Card?

The Aurum SBI Credit Card is an invite-only card, just like the HDFC Infinia Credit Card, hence you cannot apply for it. Only if you have received an invitation regarding it from the card issuer (SBI Card), are you eligible to receive this card. Furthermore, as this card is the most expensive one offered by the card issuer, you should be aware that getting one will demand both a large income and a very good credit score.

How To Apply On The Website?

You can obtain this “invite only” credit card in a few different ways:

Applying Online: Keep an eye out for a “upgrade” promotion on the SBI Card website and mobile app. On the Aurum website, you can “show interest” by using net-banking as well.
Applying Offline: AURUM RMs are anticipated in metro areas to manage AURUM applications. Through Aurum RM, you can interact with the offline SBI Card staff to submit an application.

Cards Similar To SBI Aurum Credit Card

Credit Card	Annual Fee (Excluding Taxes)	Premium Highlight	Eligibility Criteria*
HDFC Bank Infinia	Rs. 10,000	Play golf for free forever at a few courses across the world.	Only Upon Invitation
HDFC Bank Diners Club Black	Rs. 10,000	Annual Memberships (e.g., Club Marriott, MMT DoubleBlack).	Minimum monthly income: Rs. 1.75 lakh
ICICI Bank Emeralde	Rs. 12,000	Unlimited Access to the Lounge. No fees for exceeding the limit, cash withdrawals, or late payments	ICICI Bank Global Private Client Minimum Monthly Income: Rs. 3 lakh
SBI Card ELITE	Rs. 4,999	Club Vistara, Priority Pass, etc., are all free memberships.	Minimum monthly income: Rs. 60,000
Standard Chartered Ultimate	Rs. 4,999	Access to 150 golf courses worldwide and a few courses in India.	Minimum monthly income: Rs. 2 lakh
YES First Exclusive	Rs 9,999	Access to Priority Pass for life.	Minimum monthly income: Rs. 4 lakh

Comparison: SBI Aurum Credit Card Vs. HDFC Bank Infinia Credit Card

Basis	SBI AURUM Credit Card	HDFC Bank Infinia Credit Card
Reward Rate	For every Rs. 100 spent, you earn 4 reward points.	Every Rs. 150 spent earns you 5 reward points.
Reward Redemption	Can be used to purchase gift cards, tickets, and other items from the AURUM Rewards Portal.	Can be redeemed on the SmartBuy Portal or through Net banking.
Fuel Surcharge Waiver	1.0% off of fuel purchases.	1% is applied on transactions between 400 and 1,000,000 rupees.
Milestone Benefit	On a monthly spending threshold of Rs. 1 lakh, a TataCliq voucher worth Rs.5,000 rupee LUXE voucher after spending 5 lakh rupees in a year. A Taj gift card worth Rs. 10,000 for every Rs. 10 lakh spent annually.	NA
Lounge Access	With the Visa/MasterCard Domestic Lounge Programme, four visits to domestic lounges are free per quarter. Free membership to Dreamfolks Airport Lounge Programme grants access to any international lounge for an unlimited period of time.	Visa/MasterCard’s domestic lounge programme offers unlimited free domestic lounge visits each quarter. For the original cardholder and all additional cardholders, there is unrestricted free access to all international lounges worldwide.
Dining Benefits	Complimentary membership to Zomato Pro and Eazydiner.	20% savings while dining at Club Marriott Hotels and free meals under the Good Food Trial Programme.
Movie Benefits	Four free movie tickets every month.	NA
Golf Benefits	NA	All golf courses in India and a few other golf courses across the world provide unlimited free rounds of golf.
Joining Fee	Rs. 10,000 + Taxes	Rs. 12,500 + Taxes
Renewal Fees	Taxes of Rs. 10,000 plus (which may be waived if you spent Rs. 12 Lakh or more the year before)	12,500 rupees plus taxes (which may be exempt if you spent at least ten lakh rupees in the prior year)
Eligibility	The candidate must be an Indian citizen. Issued to anyone over the age of 18 who are employed on a salary or on their own. The candidate ought to earn a sizable amount per year. To be qualified for this credit card, the applicant must have a high credit score.	The applicant should be a resident of India. Issued to both salaried and self-employed individuals above the age of 21 years. The applicant should have a stable and high annual income. The applicant is required to have an excellent credit score and a strong relationship with the issuer bank to be eligible for this credit card.

Conclusion

SBI AURUM Credit Card is a super-premium offering that offers a wide range of best-in-class privileges and benefits, including a 24-7 concierge service, secretarial access, unlimited access to international airport lounges, flight cancellation insurance, etc. This puts it in direct competition with credit cards like HDFC Infinia, ICICI Emeralde, and American Express Platinum. If you use your SBI AURUM Credit Card as your primary credit card, that is, if you use it for the bulk of your purchases, you will be able to reach the spend-based milestones that qualify you for exclusive gift cards from high-end retailers like LUXE, Taj, and Tata Cliq. This credit card might not be worthwhile for you if you currently have a lot of other cards and use them for the majority of your purchases. Additionally, it is best to contrast the advantages of the SBI AURUM Credit Card with those of its rivals before making a decision.

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