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AURUM Credit Card

Name: AURUM Credit Card
Brand: SBI Card
Price: 9999 INR
Availability: InStock

SBI Card

Joining Fee₹9,999Renewal Fee₹9,999Waived at ₹12,00,000 annual spend

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Last verified: 23 Sept 2026

Reward Program

AURUM Reward Points1 point = ₹0.25

Redemption fee: 99

🔁

Managed via AURUM rewards catalogue, SBI Card mobile app and net banking

Transfer partners

AURUM Reward Points redeem at 1 ARP = ₹0.25, the rate SBI states three times on the card's own pages. Unusually for an Indian programme, AURUM Reward Points never expire.

Live Offers

63 active

DIGI1 ElectronicsUp to INR 15,000 Instant Discount at DIGI1 Electronics stores

Till 4 Oct

Ravi ElectronicsUp to Rs. 10,000 Instant Discount at Ravi Electronics RETAIL outlets using SBI Credit card

Till 26 Oct

Poojara TelecomUp to Rs 9,000 Instant Discount at POOJARA TELECOM outlets using SBI Credit card, during t

Till 21 Oct

Gujarat MobilesUp to Rs 9,000 Instant Discount at GUJARAT MOBILE outlets using SBI Credit card, during th

Till 22 Oct

Manish SalesUp to Rs 9,000 Instant Discount at MANISH SALES outlets using SBI Credit card, during the

Till 24 Oct

View all 108 offers

Benefits

🛋️

Lounge Access

4 domestic visits/quarter

999 international visits/quarter

Unlimited complimentary international lounge access at 1,000+ lounges through a complimentary DreamFolks membership, plus one complimentary guest visit per quarter. Domestically, 4 complimentary visits per quarter, and these extend to add-on cardholders as well. Visits beyond the complimentary allowance are charged on actuals plus taxes.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India, capped at ₹250 per statement cycle per credit card account. Fuel spend earns no Reward Points.

₹10,000🎁

Welcome Benefit

40,000 AURUM Reward Points worth ₹10,000

Credited on payment of the joining fee.

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Annual Benefit

Complimentary Club Marriott membership

Complimentary digital memberships to The Wall Street Journal and Mint

AURUM bundles complimentary Club Marriott, Wall Street Journal and Mint memberships, which SBI does not individually price, so annual_benefit_value is 0 rather than a guess. All quantified recurring value sits in the milestones array — ₹18,000 a year from the monthly milestone plus up to ₹35,000 from the three annual tiers.

Insurance Cover

Air accidental death cover₹3,50,00,000
Lost card and fraud protection₹10,00,000
Travel insurance — flight delay and loss of goods or baggage during travel₹1,00,000
Flight cancellation refund₹0

Milestone Benefits

Spend ₹1,00,000/monthTata CLiQ voucher worth ₹1,500₹1,500 total by this tier · 1.50% effective rate

Spend ₹5,00,000/yearTata CLiQ Luxury voucher worth ₹5,000₹5,000 total by this tier · 1.00% effective rate

Spend ₹10,00,000/yearTaj voucher worth ₹10,000₹15,000 total by this tier · 1.50% effective rate

Spend ₹20,00,000/yearApple vouchers worth ₹20,000₹35,000 total by this tier · 1.75% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

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What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee	₹9,999/yr
Renewal Fee	₹9,999/yr
Fee Waiver	Spend ₹12,00,000/year
Forex Markup	1.99%
Interest Rate	45% p.a.
Cash Advance Fee	2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs.
Reward Redemption Fee	99

In the News

Priya Menon · 12d ago

AURUM Credit Card Review 2026: Invite-Only, Unlimited Lounges, ₹3.5 Crore Cover & FAQs

AURUM Credit Card costs ₹9,999 and gives unlimited international lounge access, 16 golf rounds, ₹3.5 crore air accident cover, a 1.99% forex markup and up to ₹38,000 of milestone vouchers. Full benefit analysis, fees and FAQs.

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