Aurum Credit Card
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Highlights
- Base Reward: 1.00% return (4 RP / ₹100)
- Domestic Lounge: Unlimited visits via Visa Lounge Program
- International Lounge: Unlimited visits via Priority Pass
- Movie Offers: 4 free movie tickets monthly up to ₹1,000 total.
- Complimentary Club Marriott Membership (1 Year)
- Forex Markup: 1.99%
Welcome / Joining Benefit
40,000 Reward Points given upon payment of joining fee.
Points Expiry
Joining Fee
₹9,999
+18% GST applicable
Annual Fee
₹9,999
+18% GST applicable
Renewal Fee
₹9,999
+18% GST applicable
Joining Fee Waiver
40,000 Reward Points given upon payment of joining fee.
Annual Fee Waiver
Spend Threshold₹12,00,000
PeriodPrevious anniversary year
Waived on annual spends of ₹12 Lakhs or more.
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Invite OnlyYes — by invitation only
Additional Details
Invite-only card. Typically offered to corporate CXOs and high income individuals.
Base Reward Rate
Points per Spend
4 RP
Per Every
₹100
Effective Return
1%
Currency: Aurum Reward Points — 1 point ≈ ₹0.25
Forex Markup: 1.99%
❌ No Points Earned On:
FuelWallet LoadRent
Milestone Benefits
Bonus points on annual milestone spends: 40,000 points on spending ₹12 Lakhs in a year.
Movie & Entertainment
PlatformBookMyShow
4 free movie tickets monthly up to ₹1,000 total.
Monthly cap: ₹1,000
Golf Benefits
Complimentary Games4/quarter
Complimentary golf games quarterly.
Complimentary Memberships
Club Marriott Membership1 Year
🛫 Domestic Lounge Access
ProgramVisa Lounge Program
VisitsUnlimited
PrivilegesPrimary: Yes • Add-on: No • Guest: No
🌏 International Lounge Access
ProgramPriority Pass
VisitsUnlimited
PrivilegesPrimary: Yes • Add-on: No • Guest: Yes (4)
Redemption Options
Smart Redemption Tips
🏆 Best value: Airline Transfer at ₹0.5/pt — maximize your returns here.
⚠️ Avoid Statement Credit (₹0.25/pt) — you lose 75% of point value.
🪙 Reward currency: AURUM Reward Points
Best Value
🛩️Airline Transfer
Transfer to airline partners (miles value varies)
₹0.5/pt
🎁Gift Voucher
Premium vouchers and lifestyle brands
₹0.5/pt
💳Statement Credit
Redeem against outstanding balance
₹0.25/pt
Points Transfer Partners
Total: 26 partnersSort By
Air Arabia AA Rewards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
AirAsia Rewards
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Air Canada Aeroplan
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Flying Blue
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Air India Maharaja Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
British Airways Executive Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Cathay Pacific Asia Miles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Etihad Guest
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Emirates Skywards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Ethiopian ShebaMiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
JAL Mileage Bank
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Saudia AlFursan
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
SpiceClub
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Royal Orchid Plus
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Turkish Miles &Smiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
United MileagePlus
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Qantas Frequent Flyer
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Vietnam Airlines Lotusmiles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
ALL - Accor Live Limitless
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 pt
IHG One Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Club ITC
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Jumeirah One
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 pt
Orchid Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Wyndham Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Shangri-La Circle
Hotel
6Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.17 pt
Radisson Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt