State Bank of India
SBI Aurum Credit Card
Super-premium lifestyle and travel
₹9,999/yr annual fee · 8x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹9,999/yr
Reward rate
8x
Min. income
₹24,00,000
Forex markup
1.99%
Lounge access
Domestic + international
Eligibility
₹24 lakh/yr
Reward cap
No published cap
Welcome benefit
Rs 1,500 every month on Rs 1 lakh monthly spends, Rs 5,000 at Rs 5 lakh, Rs 10,000 Taj voucher at Rs 10 lakh, Rs 9,999…
SBI Card's AURUM super-premium card costs Rs 9,999 a year, earns 4 reward points per Rs 100 and gives a Rs 10,000 welcome gift, plus 16 free golf rounds a year.
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
- ₹9,999 non-waiver annual fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹9,999 | Not waivable |
| Annual fee | ₹9,999 | Not waivable |
| Renewal fee | ₹9,999 | Not waivable |
| Forex markup | 1.99% | Not waivable |
| Fuel surcharge | 1% | 1% fuel surcharge waived on Rs 500-4,000 transactions; max Rs 250 per statement cycle |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | Earn 4 AURUM Reward Points on every Rs 100 of non-fuel retail spend; points never expire | — | 1 AURUM Reward Point = Rs 0.25 (40,000 ARP = Rs 10,000) |
Benefits
-
Domestic and international lounges Highlight
4 complimentary domestic airport lounge visits per quarter, plus unlimited international lounge access via DreamFolks with 1 guest visit per quarter
-
Milestone vouchers Highlight
Rs 1,500 every month on Rs 1 lakh monthly spends, Rs 5,000 at Rs 5 lakh, Rs 10,000 Taj voucher at Rs 10 lakh, Rs 9,999 at Rs 12 lakh and Rs 20,000 Apple voucher at Rs 20 lakh annual spends
-
Golf and memberships
16 complimentary golf rounds and 12 lessons per year, plus 1-year Club Marriott, Mint & WSJ and Inflection Point Ventures memberships
-
Insurance cover
Rs 3.5 crore air accidental death cover, Rs 1 lakh flight delay/baggage cover, 2 flight-cancellation refunds a year and Rs 10 lakh lost-card and fraud protection
-
Fuel surcharge waiver
1% fuel surcharge waived on Rs 500-4,000 transactions, maximum Rs 250 waiver per statement cycle
Eligibility
- Min. income
- ₹24,00,000
- Documents
- Super-premium card (launched January 2026) for applicants with net monthly income of Rs 2 lakh or more (about Rs 24 lakh a year); add-on cards free for family above 18.
Read the full application walkthrough: SBI Aurum Credit Card apply guide.
Fees and charges
- Joining fee: Rs 9,999
- Annual fee: Rs 9,999
- Renewal fee: Rs 9,999
- Forex markup: 1.99%
- Fuel surcharge: 1% — 1% fuel surcharge waived on Rs 500-4,000 transactions; max Rs 250 per statement cycle
Rewards
- ALL: Earn 4 AURUM Reward Points on every Rs 100 of non-fuel retail spend; points never expire Redemption: 1 AURUM Reward Point = Rs 0.25 (40,000 ARP = Rs 10,000).
Benefits
- Domestic and international lounges: 4 complimentary domestic airport lounge visits per quarter, plus unlimited international lounge access via DreamFolks with 1 guest visit per quarter
- Milestone vouchers: Rs 1,500 every month on Rs 1 lakh monthly spends, Rs 5,000 at Rs 5 lakh, Rs 10,000 Taj voucher at Rs 10 lakh, Rs 9,999 at Rs 12 lakh and Rs 20,000 Apple voucher at Rs 20 lakh annual spends
- Golf and memberships: 16 complimentary golf rounds and 12 lessons per year, plus 1-year Club Marriott, Mint & WSJ and Inflection Point Ventures memberships
- Insurance cover: Rs 3.5 crore air accidental death cover, Rs 1 lakh flight delay/baggage cover, 2 flight-cancellation refunds a year and Rs 10 lakh lost-card and fraud protection
- Fuel surcharge waiver: 1% fuel surcharge waived on Rs 500-4,000 transactions, maximum Rs 250 waiver per statement cycle
Eligibility
- Minimum income: Rs 24,00,000 per annum Super-premium card (launched January 2026) for applicants with net monthly income of Rs 2 lakh or more (about Rs 24 lakh a year); add-on cards free for family above 18.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: State Bank of India. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the SBI Aurum Credit Card apply walkthrough →
Apply for SBI Aurum Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the SBI Aurum Credit Card worth it?
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Does the SBI Aurum Credit Card offer airport lounge access?
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