SBI CardSBI Aurum Credit Card
The SBI Aurum Credit Card is SBI's ultra-premium card for high-net-worth customers.
Top Category Performance
Premium Privileges (97/100)
Joining Fee
₹9,999
Annual Fee
₹9,999
Reward Rate (%)
0.5 – 1
Forex Markup
1.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
SBI Aurum Credit Card Benefits
SBI Aurum Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.5% – 1%
Earn rate
SBI Aurum Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
SBI Aurum Credit Card Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- No reward points on fuel, EMI, cash advances, utility payments, government transactions
- Invite-only: not available to general applicants
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SBI Aurum Credit Card Eligibility
Employment type
Invite only — You typically need an existing relationship with SBI Card to get this card.
Pros & Cons
- Unlimited domestic airport lounge access via DreamFolks
- Unlimited international lounge access via Priority Pass
- 4 reward points per ₹100 on international spends
- 2 reward points per ₹100 on domestic spends
- 4 complimentary golf rounds per month
- 1.99% forex markup
- 24/7 dedicated concierge service
- Significant milestone benefits (gift cards, hotel vouchers)
- Annual fee waived on ₹10 lakh spend
- ₹9,999 joining + annual fee
- Invite-only for SBI's premium banking customers
- Reward point value lower than Infinia/Diners Black equivalent
Who is this card for?
High-net-worth SBI banking customers spending ₹1,50,000+/month who require a super-premium lifestyle card with unlimited lounge access, golf, and dedicated concierge.
Quick Links
Data last updated 10 Aug 2026
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Calculate your exact earnings with SBI Aurum Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.