How to Apply for the SBI Aurum Credit Card in 2026
Apply for the super-premium SBI Aurum Credit Card with unlimited lounge access and 5X reward points on travel. Eligibility and walkthrough.
FinWiz24 Editorial
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.
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How to Apply for the SBI Aurum Credit Card in 2026
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.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.