SBI Aurum Credit Card Review

The SBI Aurum credit card is an invite-only ultra premium credit card for high-net-worth individuals. It comes with a slew of premium travel and lifestyle features, including reward points on every transaction, free access to domestic and foreign lounges, and travel insurance coverage, among others, making it one of the most expensive credit cards available. Below are some details about the sbi aurum credit card.

SBI Aurum Credit Card Eligibility Criteria:

This is an invitation-only credit card, which means you may only apply if you’ve been invited. 

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The annual Income Tax Return of the applicant should be greater than Rs. 40,00,000 (Approx).
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The annual Income Tax Return of the applicant should be greater than Rs. 40,00,000 (Approx).
  • A long and good relationship with the bank will help you to get this card. 
  • An excellent credit score (790) is needed to apply for the sbi aurum credit card .

If you have received an invitation, you can apply for an SBI credit card online through the SBI credit card application page. Once your sbi credit card application has been properly filed, you may check the status of your application on the sbi credit card tracking page.

Required Documents To Apply For The SBI Aurum Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

According to the new sbi credit card laws, all new credit cards are supplied inactive, but you can manually activate them by establishing a new credit card PIN; more information on the sbi credit card pin generation process can be found on our FAQ page.

SBI Aurum Credit Card Yearly Charges:

  • SBI aurum credit card joining fee: Rs. 10,000 + GST
  • SBI credit card annual fee: Rs. 10,000 + GST

SBI Aurum Credit Card Benefits:

  • Mind-blowing welcome offer:

SBI welcomes new clients with a bang; when you activate your card, you’ll receive 40,000 reward points worth Rs. 10,000. With the payment of the first-year joining fee, the sbi credit card rewards will be added to your account.

Attractive rewards:

Almost every transaction on this sbi credit card earns you reward points. You will receive 4 reward points for every Rs. 100 transaction. For wallet top-ups, there are no sbi credit card rewards.

These sbi credit card reward points are really valuable; you may use them to book a flight or a hotel room, or you can exchange them for a product or a gift certificate through Aurum’s site. Simply fill out the sbi credit card reward points redemption form and send it to the sbi credit card email id to convert your points into cash.

Free access to domestic and international lounges:

You can enter domestic and foreign lounges with this sbi bank credit card. You’ll get four free visits to most of the frontline domestic lounges per quarter, as well as unlimited visits to most overseas lounges. In addition, most domestic airport spas provide one free visit every quarter with this SBI credit card.

Free movie tickets:

Every sbi aurum credit card statement cycle, this card offers four free movie tickets. This offer is valid only on tickets purchased via BookMyShow, and the total value of each complimentary ticket must not exceed Rs. 250. You can only claim two tickets at a time.

Benefits on the frontline lifestyle brands:

Premium lifestyle brands such as Zomato, BB Star, LensKart Gold, EazyDiner, Discovery Plus, Amazon, and others offer complimentary subscriptions with the sbi aurum credit card.

Opportunity to make your card lifetime free:

You will receive a total waiver on your next year’s sbi credit card annual charges if you spend Rs. 12 lakh during an anniversary year. So, if you want your card to be free for the rest of your life, all you have to do is maintain spending Rs. 12 lakh per year. You may check your sbi credit card balance online or by contacting the sbi credit card customer service hotline.

Extra benefits on milestone spending:

You can also earn some extra benefits from milestone spending. The sbi aurum metal credit card millstone benefit scheme is discussed in the table below. 

Total spendBenefit
On spending Rs. 1 lakh in a month.A TataCliq voucher worth Rs. 1,500
On spending Rs. 5 lakh in an anniversary year. A LUXE Voucher worth Rs. 5,000. 
On spending Rs. 10 lakh in an anniversary year.A Taj voucher worth Rs. 10,000.

You can check your total earned benefits from the monthly sbi credit card statement.

Complimentary travel insurance coverage:

This sbi aurum credit card also offers flight cancellation coverage for the primary cardholder, so that if you need to cancel your flight booking, your financial loss will be limited to a certain amount. 

Ticket categoryTotal coverage
Non-refundable ticket.Rs. 3,000 per ticket.
Refundable ticket. Rs. 3,000 per ticket. 

The above-stated sbi credit card benefits are applicable a maximum of 2 times per year. And the ticket should be booked using this card.

A dedicated portal for all your needs:

The website for the sbi aurum credit card is entirely dedicated to your needs. You can use this site to acquire more information about this card or to redeem your reward points.

Easy bill payment options:

Your sbi credit card payment can be made online through your net banking account or with any credit card payment app. If you don’t have access to the online sbi credit card payment methods, you can pay using a cheque, an ATM, or by visiting your local SBI bank .

Tension-free contactless payment:

This SBI credit card has a sophisticated contactless payment function that allows you to make payments at any secure reader machine with simply a wave.

The contactless payment option is limited to Rs. 5000 per transaction for security reasons. From your sbi credit card online banking account, you can also select your own preferred sbi credit card limit. You can also temporarily disable your credit card using the sbi credit card app if you discover something suspect with your account.

SBI aurum credit card charges:

ParticularsPayable amount
Cash Withdrawal Charge2.5% against the withdrawn amount (min Rs. 500). Check your sbi aurum credit card limit before making a withdrawal.
Finance ChargesThe sbi aurum credit card interest rate is 3.5% monthly.
Foreign currency conversion charge1.99% against the transaction amount.
add on credit card feeFree for a lifetime.

SBI Credit Card Customer Care Contact Details:

  • Call the sbi credit card customer care number : 1860-180-1290/022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card customer care email id : 

Cashback beta Ratings: 


If you don’t want to continue with your existing SBI credit card, then you can cancel it very easily. The sbi credit card cancellation process is discussed on the Cashback beta FAQ page.  

Final Opinion:

Now the question is whether you should upgrade your existing SBI credit card or not? But before going to the conclusion let’s talk about the advantages and disadvantages of this card. Let’s start with the benefits first. 

The sbi aurum credit card offers free access to domestic and international lounges which is a very useful feature for frequent travelers, also it offers free movie tickets, an annual fee waiver option, extra benefits on milestone spending, free memberships of premium brands, and reward points on every transaction which are more than enough to justify the Rs. 10,000 annual fee. 

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