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How to Apply for the SBI Aurum Credit Card in 2026

Darshil Chauhan's profile photo Darshil Chauhan
3 min read
Reviewed by Jay Dodiya Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: SBI Aurum Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the SBI Aurum Credit Card in 2026

How to apply Total time: 20 min · Estimated cost: ₹10,000 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16, Form 26AS

Apply for the super-premium SBI Aurum Credit Card with unlimited lounge access and 5X reward points on travel. Eligibility and walkthrough.

  1. Check Aurum eligibility — 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.
  2. Apply through SBI Card website or YONO — Visit sbicard.com → Personal → Credit Cards → Aurum. Pre-qualified customers see a 1-click apply option. YONO-based applications are faster.
  3. Complete the application — Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Aurum variant and number of supplementary cards (up to 3).
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips, last 6 months’ bank statement, Form 16, and recent Form 26AS. Self-employed applicants must upload 2 years’ ITR with computation and business proof.
  6. Wait for credit committee approval — Aurum applications are reviewed by SBI’s super-premium credit committee. Approval takes 10–15 working days.
  7. Pay the joining fee and receive the card — 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.
  8. Use for travel and dining to chase the 5X — The 5X on travel and dining is capped at 20,000 points per month. Plan your travel and dining spends accordingly.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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