SBI
SBI AURUM Credit Card
This is an invite only card
This is an invite only card
Apply and get ₹0 Rewards
This is an invite only card
Top Benefits
Get 40,000 Reward Points Worth ₹10,000
on payment of joining fee, 1 ARP = ₹0.25
Get Complimentary Club Marriott Access
1-year Club Marriott membership
Best For
Shopping
Dining
Travel
Joining/Annual Fee
Joining Fees
₹11,799 ( ₹9999 + GST )
Annual Fees
₹11,799 ( ₹9999 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
40LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Unlimited international lounge access + guest visit (quarterly cap)
- 4 domestic lounge visits per quarter (capped)
- 4 movie tickets worth ₹1,000 monthly (₹500 per booking cap)
- 15% dining discount on District
- 16 complimentary golf rounds per year (4 per quarter)
- 1.99% low forex markup on international spends
How to Redeem Rewards & Cashback?
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
For Spends Waiver
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 1.99% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.5% |
Reward Redemption Fees | N/A |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
Cheque Payment Fees A fee of 200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹200 |
Cash Payment Fees | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get 40,000 Reward Points Worth ₹10,000
on payment of joining fee, 1 ARP = ₹0.25
Get Complimentary Club Marriott Access
1-year Club Marriott membership
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