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.
Rahul Godeshvar
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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SBI Aurum
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
Written by
Rahul Godeshvar
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