SBI Card Aurum Credit Card Decoded

June 11, 2026• 6 min read

PremiumSBI Card

Quick Facts

Joining Fee₹9,999

Renewal Fee₹9,999

Best ForRewards

Forex Markup1.99%

30-Second Verdict

Expert Verdict

The Aurum Credit Card is a powerful travel companion, prioritizing unlimited lounge access and airport privileges for frequent flyers.

Luxury & Lifestyle•International Travel•Golf Privileges

Who Should Apply

You spend at least ₹12,00,000 annually to waive fees.
You value airport lounge access and travel perks.
You want a steady return rate of 1% on standard spends.

Who Should Skip

You want to avoid paying an annual fee of ₹9,999.
Your average monthly card spends are less than ₹25,000.
You prefer cash statement credits over travel reward point transfers.

Key Numbers

Base Reward Rate
4 RP / ₹100

Accelerated Rate

None

Forex Markup

1.99%

Joining Fee

₹9,999

Annual Fee

₹9,999

Invite Only

Age: 21 - 70 Years

Invite-only card. Typically offered to corporate CXOs and high income individuals.

Domestic Lounge

Unlimited

Primary: Yes • Add-on: No • Guest: No

International Lounge

Priority Pass

Unlimited

Primary: Yes • Add-on: No • Guest: Yes (4)

Reward Point Mechanics

Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.

Earning Blueprint

Accrual & Multipliers

Base Earn Rate:4 RP / ₹100

Multipliers & Milestones:

Milestone 1x

Bonus points on annual milestone spends: 40,000 points on spending ₹12 Lakhs in a year.

Point TranslationValue depends on how you redeem
Standard Currency Point Value1 Aurum Reward Points = ₹0.25
when redeemed for flights/travel
Redemption Values:Flights:₹0.25 per pt

Partner Transfers

Miles conversion ratios

Air Arabia AA RewardsRatio 2:1

AirAsia RewardsRatio 1:1

Air Canada AeroplanRatio 1:1

Flying BlueRatio 1:1

Air India Maharaja ClubRatio 1:1

British Airways Executive ClubRatio 1:1

Cathay Pacific Asia MilesRatio 1:1

Etihad GuestRatio 1:1

Emirates SkywardsRatio 2:1

Ethiopian ShebaMilesRatio 2:1

JAL Mileage BankRatio 2:1

Saudia AlFursanRatio 2:1

SpiceClubRatio 1:1

Royal Orchid PlusRatio 1:1

Turkish Miles &SmilesRatio 2:1

United MileagePlusRatio 2:1

Qantas Frequent FlyerRatio 1:1

Vietnam Airlines LotusmilesRatio 1:1

ALL - Accor Live LimitlessRatio 2:1

IHG One RewardsRatio 1:1

Club ITCRatio 2:1

Jumeirah OneRatio 2:1

Orchid RewardsRatio 1:1

Wyndham RewardsRatio 1:1

Shangri-La CircleRatio 6:1

Radisson RewardsRatio 1:1

1. Airport Lounge Access & Travel Status

For frequent flyers, lounge privileges provide significant financial savings.

Standard Travel Credentials

Domestic lounges: Unlimited.
International lounges: Unlimited.

2. Premium Dining & Lifestyle Benefits

Elevate your weeknights with curated dining privileges, memberships, and golf games.

⛳ Complimentary golf games quarterly. 💳 Club Marriott Membership

3. Comprehensive Insurance Coverages

Stay fully insured on domestic and international bookings:

Air Accident Cover: Up to ₹0
Emergency Medical Cover: Up to ₹0
Card Fraud Protection: Up to ₹0

4. Head-to-Head Comparison with Key Competitors

How does Aurum Credit Card stack up against rivals in the same variant class?

Feature	Aurum Credit Card	FIRST Private Credit Card	Axis Reserve
Joining Fee	₹9,999 + GST	₹50,000 + GST	₹50,000 + GST
Annual Fee	₹9,999 + GST	₹50,000 + GST	₹50,000 + GST
Waiver Threshold	₹12 Lakh	None	None
Base Return	1.00%	2.50%	1.50% - 3.0%
Lounge Access	Unlimited Dom & Int'l	Unlimited Dom & Int'l	Unlimited Dom & Int'l

5. Verdict: Should You Apply for the Aurum Credit Card?

Get it if...

✓ You want a solid base return of 1.00% on everyday purchases.
✓ You travel frequently and want premium lounge privileges.
✓ You spend enough to easily trigger annual fee waivers.

Skip it if...

✗ You do not want to pay the upfront ₹9,999 + GST joining fee.
✗ You prefer direct cash-back over reward points or travel miles.
✗ Your major spends are on rent, utility or government fees, which are excluded: (Rent).

Exclusions & Caps Warning

Spends on Rent, Government transactions, and Wallet Loads are excluded from the annual waiver threshold of ₹12,00,000.
Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
Cashback is capped at ₹5,000 per billing cycle.
Cash advances, balance transfers, and EMI conversions do not earn reward points.

Pros & Cons

Advantages	Disadvantages
Standard concierge and customer support services Accelerated travel rewards on booking portals Unlimited international lounge access (Unlimited) Generous credit limits (avg. ₹2,00,000) Faceted rewards structure for high returns Good foreign transaction markup fee of 1.99%	Annual renewal fee of ₹9,999 applies base reward can be better for a highly priced fees. Renewal fee waiver requires high annual spend of ₹12,00,000 Strictly invite-only with unpublished criteria

Rewards Point Calculator

Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.

✈️ Travel & Airline Booking (Annual)₹2,00,000

🍽️ Dining & Entertainment (Annual)₹1,00,000

⛽ Fuel Purchases (Annual)₹50,000

🛍️ General Retail & Online Shopping (Annual)₹1,50,000

Total Reward Points Earned

58,000

Points / Year

Premium Dining & Lifestyle Benefits

Category	Privileges & Details
Travel & Lounges	Complimentary international airport lounge access (Unlimited lounges)
Golf Privileges	Complimentary golf games quarterly.
Entertainment & Movies	4 free movie tickets monthly up to ₹1,000 total.
Other Perks & Memberships	Club Marriott Membership
Memberships	Club Marriott Membership (1 Year)

Redemption Sweet Spots

Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.

Cardswise Score

8.5

Rewards

7/10

Travel Perks

9/10

Lifestyle

8/10

Value for Money

6/10

Frequently Asked Questions

What is the annual fee of SBI Card Aurum Credit Card and is there a waiver?

The annual fee is ₹9,999 + GST. It can be waived if you spend ₹1,200,000 or more in the anniversary year.

What lounge access benefits are provided by Aurum Credit Card?

The card provides access to domestic and international lounges. Domestic access: Unlimited. International access: Unlimited.

Does the Aurum Credit Card card have a forex markup waiver?

The card charges a forex markup of 0%. This is highly competitive compared to the industry average of 3.5%.

What is the spending limit on the card?

The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.

How do you apply for this card?

This is an invite-only credit card extended exclusively to select high-net-worth customers based on internal criteria.

Do reward points expire?

The reward points are typically valid for 36 months.

Aurum Credit Card

₹9,999 Joining Fee

Apply Now