How to Apply for the SBI Aurum Credit Card in 2026

title: "How to Apply for the SBI Aurum Credit Card in 2026" slug: how-to-apply-for-sbi-aurum-credit-card excerpt: "Apply for the super-premium SBI Aurum Credit Card with unlimited lounge access and 5X reward points on travel. Eligibility and walkthrough." category: how-to-apply tags:

• sbi
• aurum
• super-premium
• lounge-access
• travel relatedCards:
• sbi-aurum heroImage: /images/guides/sbi-aurum.svg publishedAt: "2026-06-18T16:57:29.216Z"

The SBI Aurum Credit Card is SBI's super-premium metal card, sitting above SBI Elite. It offers unlimited domestic and international lounge access, 5X reward points on travel and dining, 2X on all other retail, 1% fuel surcharge waiver, and a milestone voucher of ₹10,000 on spends of ₹5 lakh in a year. The annual fee is ₹10,000, waived on ₹5 lakh spends.

Why this matters

Aurum is SBI's most rewarding card outside the super-premium segment. The 5X on travel and dining is unique — no other SBI card pays 5% on these categories. The unlimited lounge access recovers the annual fee within 4 visits for moderate travellers.

Related cards

How to Apply for the SBI Aurum Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Aurum eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹1 lakh for salaried. CIBIL score of 760+ is preferred. Self-employed applicants need a minimum annual income of ₹15 lakh.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply through SBI Card website or YONO</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit sbicard.com → Personal → Credit Cards → Aurum. Pre-qualified customers see a 1-click apply option. YONO-based applications are faster.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Aurum variant and number of supplementary cards (up to 3).</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips, last 6 months&#39; bank statement, Form 16, and recent Form 26AS. Self-employed applicants must upload 2 years&#39; ITR with computation and business proof.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Wait for credit committee approval</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Aurum applications are reviewed by SBI&#39;s super-premium credit committee. Approval takes 10–15 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, SBI will charge ₹10,000 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, SBI Card app, or YONO.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use for travel and dining to chase the 5X</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The 5X on travel and dining is capped at 20,000 points per month. Plan your travel and dining spends accordingly.</p>
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Common mistakes to avoid

Aurum is invitation-only for new customers. The public application form is only shown to pre-qualified profiles. The 5X on travel and dining excludes online travel portals — use the card for direct airline and hotel bookings only.

Pro tips

• Talk to your SBI relationship manager 6 months in advance to discuss Aurum eligibility
• Use the card for direct airline and hotel bookings to maximise 5X
• Pair with SBI SimplyCLICK for online shopping
• Plan to spend ₹5 lakh to waive the ₹10,000 annual fee

Frequently asked questions

What is the annual fee on Aurum?

₹10,000 + GST, waived on ₹5 lakh spends in the previous 12 months.

Is Aurum invitation-only?

Yes. New customers must be pre-qualified by SBI to see the public application form.

What is the 5X cap?

5X on travel and dining is capped at 20,000 points per month, equivalent to ₹10,000 in cashback.