Aurum Sbi Card
Verified · September 1, 2026
4.5/5.0
Updated on September 1, 2026
🎖️Reward Rate
4 Reward Points per ₹100 spent on all domestic and international transactions
Rewards
Reward Type
Reward Points
Reward Rate
- • 4 Reward Points per ₹100 spent on all domestic and international transactions
- • No category capping on base reward rate
Welcome Benefit
40,000 bonus Reward Points (worth ₹10,000) upon payment of joining fee + Club Marriott Annual Membership + 1-Year Mint/WSJ subscription.
Milestone Benefit
₹5,000 Tata CLiQ Luxury voucher on spending ₹5 Lakhs annually; ₹10,000 Taj Experiences Gift Card on spending ₹10 Lakhs annually; 100% annual fee waiver of ₹9,999 on spending ₹12 Lakhs annually; ₹10,000 flight voucher on spending ₹15 Lakhs annually
Redemption
- • Redeem for flight tickets, hotels, and luxury catalog on AURUM portal (1 Point = ₹0.25)
- • Redeem for Taj Experiences, Apple e-vouchers, and statement credit
Benefits
- Domestic Lounge: Unlimited complimentary visits (Primary cardholder) + 16 guest visits per year (4/quarter) visits
- International Lounge: Unlimited complimentary visits via Dreamfolks / Priority Pass + 16 guest visits/year visits
- 4 Free Movie Tickets Every Month (BookMyShow): 4 complimentary movie tickets worth up to ₹1,000 every month on BookMyShow (Save up to ₹12,000/year).
- 1.99% Discounted Forex Markup Rate: Reduced foreign currency markup fee of only 1.99% for international transactions worldwide.
- Unlimited Complimentary Golf Games: 1 complimentary golf game or lesson every calendar month across premier golf clubs in India and overseas.
- AURUM Dedicated Butler & 24x7 Global Concierge: Dedicated secretarial concierge and bespoke travel planning butler assistance round the clock.
Things to Know Before you apply
Aurum Sbi Card Eligibility Criteria
- Age: 25–70 years
- By-Invitation Only for CXOs, Ultra High Net-Worth Individuals, and elite SBI clients
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹9,999 |
| Annual Fee | ₹9,999 |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹500) |
Fee waiver: Spend ₹12,00,000 or more in preceding year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The AURUM SBI Card issued by SBI is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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Fee Details
Joining Fee
₹9,999
Annual/Renewal Fee
₹9,999
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • 40,000 bonus Reward Points (worth ₹10,000) upon payment of joining fee + Club Marriott Annual Membership + 1-Year Mint/WSJ subscription.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
Reward/Cashback Rate
- • 4 Reward Points per ₹100 spent on all domestic and international transactions
- • No category capping on base reward rate
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
Pros
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified