If you’re looking for an ultra-premium credit card in India with luxury perks and solid milestone rewards, the SBI AURUM Credit Card is worth considering. Positioned above SBI Elite, AURUM is SBI Card’s most exclusive offering, crafted for high-net-worth individuals (HNIs) and luxury lifestyle enthusiasts.
But does its premium status justify the ₹9,999 annual fee? Let’s explore everything about this card, from benefits to precise reward calculations.
SBI AURUM Credit Card – Basic Overview
| Feature | Details |
| Card Type | Super Premium Credit Card |
| Joining/Annual Fee | ₹9,999 + GST (Fee waived on ₹12L annual spend) |
| Reward Rate Range | 1% to 3.7% (including monthly and annual milestones) |
| Lounge Access | Unlimited International, 16 Domestic (4 per quarter) |
| Forex Markup Fee | 1.99% |
| Monthly Milestone Benefit | ₹1,500 TataCliq voucher on ₹1L monthly spend |
| Annual Milestone Benefits | Up to ₹35,000 vouchers on ₹20L spend |
| Welcome Benefit | 40,000 points (worth ₹10,000) |
| Golf Access | 16 games + 12 lessons/year |
| Movie Tickets | 4 per month (up to ₹1,000/month) via BookMyShow |
| Additional Perks | Secretarial Access, Spa sessions, Concierge, WSJ + Mint Subs |
SBI AURUM Credit Card – Reward Rate Analysis (Min to Max)
Let’s understand how much value this card offers at different spend levels. The base reward is only 1%, but it can go up to 3.7% when monthly and annual milestones are fully utilized.
Regular Reward Calculation
| Spend Type | Reward Points | Value per ₹100 Spent | Effective Rate |
| All Eligible Spends | 4 RP per ₹100 | ₹1 (0.25 x 4) | 1% |
Note: No rewards on rent payments, wallet loads, etc.
Monthly Milestone Benefit
Spend ₹1L/month to get ₹1,500 TataCliq voucher
That’s an additional 1.5% return.
| Spend/Month | Milestone Voucher | Milestone Rate | Combined Reward Rate (incl. 1%) |
| ₹1L | ₹1,500 | 1.50% | 3% |
Annual Milestone Benefit
| Annual Spend | Milestone Reward | Value | Milestone Rate |
| ₹5L | TataCliq Luxury Voucher | ₹5,000 | 1% |
| ₹10L | Taj Voucher | ₹10,000 | 1.50% (cumulative) |
| ₹20L | Apple Voucher | ₹20,000 | 1.75% (cumulative) |
Combined with monthly and regular rewards:
If you spend ₹20L/year and meet all monthly milestones, your total return is approx. 3.6% (₹53,000 total value from ₹20L).
Realistic Reward Scenarios
| Scenario | Monthly Spend | Annual Spend | Effective Reward Rate |
| High spender with full milestones | ₹1L/month | ₹20L | 4% |
| Partial milestone achiever (3 months) | ₹1L/month × 3 | ₹20L | 3.00% |
| Balanced user with ₹12L spend | ₹1L/month | ₹12L | 3.7% + fee waiver |
Key Lifestyle Benefits
| Benefit | Details |
| BookMyShow Movies | 4 free tickets/month (₹250 cap/ticket) worth ₹12,000/year |
| Complimentary Golf | 16 rounds + 12 lessons/year |
| Spa Sessions | 4 sessions/year at airports |
| DreamFolks Membership | Includes unlimited international lounge access |
| Concierge & Secretarial Access | Available for travel, booking, and lifestyle management |
Protection & Insurance
- Travel Insurance: Up to ₹1L for delays/lost baggage
- Air Accident Cover: ₹3.5 Cr
- Flight Cancellation: ₹3,500 (refundable) / ₹3,000 (non-refundable) – 2x/year
- Fraud Protection: ₹10L
Redemption & Flexibility
- Points redeemable on a dedicated AURUM portal for e-vouchers, travel bookings, and experiences.
- No option for statement credit.
- ₹99+GST redemption fee applies, though it is waived in many cases.
Should You Apply for SBI AURUM Credit Card?
Go for it if:
- You consistently spend ₹1L or more per month
- You value luxury perks like a lounge, spa, golf, and movie benefits
- You want a cleaner, more concierge-driven premium lifestyle experience
- You are upgrading from SBI Elite and prefer SBI as a card issuer
Avoid it if:
- You want high base reward rates without chasing milestones
- You don’t spend ₹12L/year (fee waiver threshold)
- You already hold a super-premium card with similar or better benefits
SBI AURUM is a feature-rich, experience-oriented credit card that delivers excellent value (up to 3.7%) — but only when used strategically with monthly and annual spends aligned to its milestone structure. While the 1% base reward is unimpressive, it is compensated well through milestone benefits, memberships, and luxury privileges.
Rating: ★★★★☆ (4/5) – Best for high spenders seeking concierge luxury and milestone-based returns.
Disclaimer: The content provided above is for informational and educational purposes only. Benefits, offers, reward values, and terms are subject to change by the issuing bank at any time. Please verify all information directly with SBI Card before applying. This article does not constitute financial advice.
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FAQs – SBI AURUM Credit Card
Q1. What is the minimum income to apply for SBI AURUM?
A: ₹30 Lakhs annual income or an existing card with ₹5L limit is usually required.
Q2. Is the SBI AURUM Credit Card Invite-only?
A: Yes, you can apply via invite, upgrade option, or express interest through SBI Card net banking.
Q3. Are there rewards on rent or wallet spends?
A: No, like all SBI cards, rent and wallet loads are excluded from rewards.
Q4. Does AURUM offer lounge access internationally?
A: Yes, it offers unlimited international lounge visits with DreamFolks membership.Q5. Are renewal benefits included?
A: No direct renewal gifts. Fee waiver is offered if you spend ₹12L annually.