State Bank of India
SBI Card Aurion
Best for premium, travel
₹9,999/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹9,999/yr
Reward rate
2x
Min. income
₹30,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹30 lakh/yr · CIBIL 750+
Reward cap
Cap not published; the only published earned-Reward-Points number is the 40,000 AURUM Reward Points welcome benefit on payment of Joining Fee
Welcome benefit
40,000 AURUM Reward Points on payment of Joining Fee (≈₹10,000+ value); 1-Year Complimentary Memberships to Club Marrio…
Who is this for
- Premium cardholder
- Frequent traveller
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹9,999 non-waiver joining fee
- ₹1,100 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹9,999 | Not waivable |
| Annual fee | ₹9,999 | NOT published on the official marketing page; per Paisabazaar and Card Insider reviews, the annual fee is waived on spends of ₹12,00,000 in the previous year |
| Renewal fee | ₹10,000 | Waived on annual spends ≥ ₹10,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 Reward Point per ₹100 on all retail spends (per cardmaven and finanjo reviews); accelerates to ~3.7% effective valu… | Cap not published; the only published earned-Reward-Points number is the 40,000 AURUM Reward Points welcome benefit on payment of Joining Fee | AURUM Reward Points can be redeemed for travel, lifestyle, and gift options via the dedicated AURUM portal (aurumcreditcard.com) and Shop & Smile; exact per-point value not published |
| TRAVEL | 5.00 | — | 0.25 |
| DINING | 5.00 | — | 0.25 |
| SHOPPING | 5.00 | — | 0.25 |
Benefits
-
Domestic lounge access
Unlimited domestic lounge access (per multiple reviews; not explicitly published on the marketing page I could fetch)
-
International lounge access Highlight
Unlimited international lounge access (per multiple reviews; Priority Pass membership implied by the 1.99% forex and the 'lowest markup' positioning)
-
Milestone benefits Highlight
40,000 AURUM Reward Points on payment of Joining Fee (≈₹10,000+ value); 1-Year Complimentary Memberships to Club Marriott, Mint, The WSJ, and Inflection Point Ventures; 16 Complimentary Golf Rounds and 12 Golf Lessons every year; complimentary premium movie tickets; unlimited international lounge access (per multiple reviews); unlimited domestic lounge access
-
Fuel surcharge waiver
Not published on the marketing page I could fetch (typical SBI Card 1% waiver likely applies but unverified)
Eligibility
- Age
- 21–65 years
- Min. income
- ₹30,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof, income proof (IT returns for the last 2-3 years, salary slips for last 3 months)
SBI Card Aurion is a VISA credit card from SBI Card. It is best suited for premium, travel.
Fees and rewards
- Annual fee: ₹10000
- Joining fee: ₹10000
- Rewards: 5 reward points per ₹100
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof, income proof (IT returns for the last 2-3 years, salary slips for last 3 months)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Last reviewed · How we review
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