SBI Aurum Credit Card
VisaSBI Aurum is SBI's super-premium metal credit card with 10X reward points on top brands, unlimited lounge access, and golf privileges.
Welcome Benefit
₹1,00,000 worth of welcome vouchers on joining fee payment.
Estimated value: ₹7,999.2
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹9,999 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: SBI Reward Points (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Retail Spends | 2X Reward Points |
| Dining & Grocery | 4X Reward Points on dining and grocery |
| Yatra, Myntra, Cleartrip, Hush Puppies, Bata | 10X Reward Points on top partner brands |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 24 months
Milestone Benefits
Earn 5,000 bonus reward points + 1 complimentary domestic flight ticket on crossing ₹4 lakh annual spend.
Value: ₹8,000
Milestone tracked from card anniversary date.
Lounge Access
Unlimited domestic lounge access.
10 international lounge visits per year via Priority Pass.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
✓ Air miles conversion available
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero Liabilitypurchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
travel_insurance
Complimentary air accident cover of ₹50 lakh on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹50 lakh air accident cover
Forex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹1,50,000+ per month. Self-employed: ₹20,00,000+ p.a. Age: 21–70.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The SBI Aurum Credit Card is a premium credit card from State Bank of India tailored for travel enthusiasts with miles earning and lounge access. At ₹9,999/year, the card is best suited for high spenders who can leverage its premium benefits.