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Welcome Bonus
Travel
Fuel
Shopping
Cashback
Rewards
Insurance
Interest
Lounge
The SBI Aurum Credit Card is an invite-only premium card with a sleek metallic design. Pay ₹9,999 annually to receive 40,000 reward points (worth ₹10,000), Club Marriott Membership, Digital Membership for Mint and WSJ, 1% base rewards, airport lounge access, and free golf lessons.
Features & Benefits
🎁 Welcome Bonus
• 40,000 reward points ~₹10,000
• Club Marriott Membership with discounts on room tariffs, restaurants and spa services at Club Marriott Hotels in India
• Digital Membership for Mint and WSJ
🏆 Milestone Benefit
• Spend ₹20 lakh annually – get an Apple gift voucher worth ₹20,000
• Spend ₹12 lakh annually – get a renewal fee waiver
• Spend ₹10 lakh annually – get a Taj Gift Voucher worth ₹10,000
• Spend ₹5 lakh annually – get a Tata CliQ Luxe (Luxury) gift voucher worth ₹5,000
• Spend ₹1 lakh per month – get a Tata CliQ Gift Voucher of ₹1,500
• Book My Show benefits worth ₹1,000 every month
⭐ Reward Points
• 4 Reward Points per ₹100 spent
• Reward Rate: 1% to 3%
⛽ Fuel Surcharge
• Fuel Surcharge Waiver with a capping of ₹400 per statement cycle
✈️ Travel Benefit
• 2 flight cancellation refunds per year from any airline
🏢 Lounge Access
• Unlimited international airport lounge access across 1000+ airports by Dream Folks with 1 free access to guests every quarter
• 4 domestic lounge access per quarter
🎭 Entertainment Benefit
• 16 free Golf rounds per year and 50% off on subsequent visits (capped to one per month)
• 12 free Golf lessons per year
🎟 Concierge Services
• A dedicated concierge service to fulfil all your needs and offer expert assistance
Joining Fee
₹9,999
Annual Percentage Rate
42.00%
Foreign Transaction Fee
1.99%
Annual Fee
₹9,999
Minimum Repayment Amount
5%
Over Limit Penalty
2.5%
Add-on Card Fee
Free
Cash Withdrawal Fee
2.50%
Fuel Surcharge
1%
Card Replacement Fee
₹1,500
Cash Advance Limit
80%
Reward Point Value
₹0.25
Fees & Charges
Pros
1. The reward points can be redeemed for hotels/flights or e-vouchers and can be considered equivalent to ₹10,000.
2. Unlimited access to international airport lounges.
3. 24/7 concierge service .
Cons
1. No insurance benefit.
2. Low reward rate when compared with other premium cards.
3. High annual fee.
4. Charges ₹99 for reward redemption.
5. Only available in selected cities.
Eligibility
• Age: 21 years (Salaried), 25 years (Self-employed)
• Monthly income: Minimum ₹2 lakh
• Available in: NCR, Mumbai & Suburbs, Chennai, Hyderabad, Bangalore, Pune, Jaipur, Chandigarh, Kolkata, Ahmedabad, Surat, Coimbatore, Kochi and Vishakhapatnam
Documents Required
1. Identity Proof (any one): PAN Card, Aadhaar Card, Driver's License, Passport, Voter's ID, OCI Card, PIO Card, NREGA Job Card, or UIDAI-issued letters
2. Address Proof (any one): Aadhaar Card, Driver's License, Passport, Recent Utility Bill (within 3 months), Ration Card, Property Documents, Bank Statement
3. Income Proof: Recent salary slips (1-2, within 3 months), latest Form 16, last 3 months' bank statements