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SBI Aurum Credit Card

The SBI Aurum Credit Card is an invite-only premium card from State Bank of India built for luxury travel and lifestyle spends. It offers unlimited international airport lounge access, 16 complimentary golf rounds a year, and a low 1.99% forex mark-up, alongside a joining bonus of 40,000 reward points.

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Benefits of the SBI Aurum Credit Card

The benefits of the SBI Aurum credit card are as listed below:

Joining Benefits: Earn 40,000 reward points valued Rs.10,000 as joining benefit with Aurum credit card. You can redeem these reward points on the reward portal or can use them for Club Vistara Air Miles. (Note: 1 reward point = Rs.0.25)
Aurumtone Benefits: The various Aurumtone benefits associated with Aurum credit card are as listed below:
- Earn TataCliq voucher worth Rs.1,500 on spending Rs.1 lakh in a month.
- Earn Luxe voucher worth Rs.5,000 on spending Rs.5 lakh in a year.
- Earn Taj voucher worth Rs.10,000 on spending Rs.10 lakh in a month.
- Get the annual fee of Rs.9,999 waived off on spending Rs. 12 lakh and above in a year.
- Membership Privileges: Get a 1-year complimentary membership to Club Marriott, Mint Lounge and The Wall Street Journal, along with Inflection Point Ventures, as an additional Aurum benefit.
Reward points: Earn 4 reward points for every Rs.100 spent. However, this scheme is not applicable to wallet loading.
Movie tickets: Get 4 movie tickets for free in a month, valued at Rs.1,000. The tickets can be booked via BookMyShow. However, the discount per ticket cannot be more than Rs. 250 and you cannot claim more than two tickets in one transaction.
Lounge Benefits: Get up to four domestic lounge access and unlimited international lounge access in a year for primary card holders, while accompanying guests get 4 complimentary international lounge access in a year. You also get a spa every quarter at the airport.
Golf Benefits: The golf benefits associated with Aurum credit card are as follows:
- Get 16 complimentary golf rounds in a calendar year (4 in every quarter)
- Get 12 complimentary golf lessons in a calendar year

Add-on Benefits: The various add-on benefits of the Aurum card are as follows:
- Get your annual fee waived off on spending Rs.12 lakh and above in a year.
- Get flight cancellation benefits as refundable coverage of Rs.3,500 for every ticket and non-refundable coverage of Rs.3,500 for every ticket.
- Aurum credit card holders also get dedicated lifestyle concierge services.
- Get foreign currency transaction fee as low as 1.99%.

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Features of the SBI Aurum Credit Card

The features of SBI Aurum credit card are discussed below:

Worldwide Acceptance: SBI Aurum credit card can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India.
Payment Flexibility: Cardholders can make payments at any outlet that accepts MasterCard/RuPay, offering convenience and flexibility wherever they go.
Add-on Cardholders: You can empower their family members by providing them with add-on cards. These cards can be issued to parents, spouse, children, or siblings above the age of 18, extending the benefits of the SBI Aurum credit card to their loved ones.
Cash Access Across the World: Enjoy the convenience of cash withdrawals from over 1 million ATMs across the globe, providing easy access to funds wherever cardholders travel.
Flexipay: With Flexipay, cardholders can convert transactions into easy monthly installments. Transactions of Rs. 2,500 or more are eligible for Flexipay conversion, allowing cardholders to manage their expenses more effectively.
Easy Bill Pay Facility: Cardholders can conveniently pay their electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility available on the SBI Card app and website, providing a hassle-free bill payment experience.
Safe and Secure: The chip and pin enabled SBI Aurum credit card offers enhanced security against counterfeiting and skimming, ensuring peace of mind for cardholders during transactions.
Balance Transfer on EMI: Cardholders can save money on credit card dues by transferring the outstanding balance of other banks’ credit cards to their SBI Aurum Credit Card. They can avail themselves of a lower rate of interest and payback in EMIs, offering a cost-effective solution to manage their finances.

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Fees and Charges of the SBI Aurum Credit Card

The fees and charges of the SBI Aurum credit card are as listed below:

Fees	Amount
Annual Fee	Rs. 9,999
Renewal Fee (per annum)	Rs. 9,999 (waived off on spending Rs. 12 lakh in a year)
Finance Charges	Up to 3.75% per month (45% per annum)
Late Payment Fee	NIL for Total Amount due from Rs.0-Rs.100 Rs.100 for Total Amount due greater than Rs.100 & up to Rs.500 Rs.500 for Total Amount due greater than Rs.500 & up to Rs.1,000 Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000 Rs. 950 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000 Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1,300 for Total Amount due greater than Rs. 50,000
Add-on Fee (per annum)	Nil
Cash Advance Fee	2.5% of transaction amount, subject to a minimum of Rs.500

Note: The interest rates are effective from 1 September 2026.

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Documents required to Apply for the SBI Aurum Credit Card

The below listed documents are required to apply for the SBI Aurum credit card are as listed below:

Proof of Identity (Choose one):

Proof of Address (Choose one):

Aadhaar Card
Passport
Voter ID Card
Utility Bill (Electricity, Water, Gas, Telephone) not exceeding two months old
Bank Statement with Address

Proof of Income (Choose one):

Salary Slip (for Salaried Individuals)
Income Tax Returns
Form 16
Bank Statements (for Self-employed Individuals)

Passport-sized Photographs: Prepare a few recent passport-sized photographs.

KYC Documents: This may involve self-attested copies of the PAN card, Aadhaar card, and other relevant documents as per the bank's requirements for Know Your Customer (KYC) compliance.

Eligibility criteria to apply for SBI Aurum Credit Card

The eligibility criteria to apply for SBI Aurum Credit Card is as follows:

This is an invite only credit card
Individual can be salaried or self-employed

Methods for Digital Payments with SBI Aurum Credit Card

You can use one of the below listed methods to complete digital payment using Aurum credit card:

Automated Standing Instruction (e-NACH): Simplify bill payments by enrolling in e-NACH for automatic deductions from your bank account on the Payment Due Date.
UPI Payment: Quickly settle bills via UPI on the SBI Card App or website using a QR code.
NEFT (National Electronic Funds Transfer): Instantly pay your SBI Credit Card outstanding through NEFT, available 24/7. Use your 15-digit or 16-digit credit card number and IFSC Code SBIN00CARDS to register.
YONO Payment: Swiftly make payments through the YONO App by SBI for immediate credit to your card account. Download the app from the Google Play Store or App Store.
Bharat Bill Payment System: Conveniently and securely settle your credit card bill through the Bharat Bill Payment System on the SBI Unipay website.
PayNet: Visit sbicard.com and use PayNet to make online payments via net banking, with instant reflection in your SBI Credit Card account.
Electronic Bill Payment: Directly pay from your bank account using your bank's Bill Pay facility, with instant crediting of payments.
Auto Debit: Authorize your SBI Card to debit your savings or current bank account by completing the Auto Debit mandate at selected banks.

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Summary

The SBI Aurum Credit Card is State Bank of India's invite-only luxury card, combining unlimited international lounge access, golf privileges and premium travel benefits with a joining bonus of 40,000 reward points. It suits high-spending, salaried or self-employed individuals who meet the bank's income criterion and want concierge-level travel and lifestyle perks. Cardholders can check the fees, benefits and eligibility details in the sections above before requesting an invite.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on SBI Aurum Credit Card

1.What is the SBI Aurum Credit Card?

The SBI Aurum Credit Card is an invite-only premium credit card from State Bank of India, designed for luxury travel and lifestyle spending. It offers unlimited international lounge access, golf privileges and premium travel benefits to eligible cardholders.

2.Can I apply for the SBI Aurum Credit Card directly?

No, the SBI Aurum Credit Card is an invite-only card, so you cannot apply for it directly. State Bank of India extends an invitation to eligible customers based on their income and spending profile.

3.What is the minimum income required for SBI Aurum Credit Card eligibility?

Both salaried and self-employed individuals can be considered, subject to the bank's assessment.

4.What are the key benefits of the SBI Aurum Credit Card?

The SBI Aurum Credit Card offers unlimited international lounge access, domestic lounge visits, golf privileges and joining reward points as its key benefits. Cardholders also get milestone-based vouchers and a low foreign currency mark-up on international spends.

5.How many reward points does the SBI Aurum Credit Card offer on everyday spends?

The SBI Aurum Credit Card earns reward points on eligible retail spends, excluding categories such as wallet loading. The exact reward rate is listed in the benefits section above.

6.What lounge access does the SBI Aurum Credit Card provide?

The SBI Aurum Credit Card gives primary cardholders complimentary domestic and unlimited international airport lounge access, along with limited complimentary access for accompanying guests. The exact visit limits are listed in the benefits section above.

7.Does the SBI Aurum Credit Card offer golf privileges?

Yes, the SBI Aurum Credit Card includes complimentary golf rounds and golf lessons every calendar year for cardholders. The exact number of rounds and lessons is listed in the benefits section above.

8.What is Flexipay on the SBI Aurum Credit Card?

Flexipay lets SBI Aurum Credit Card holders convert larger transactions into easy monthly instalments. This gives cardholders more flexibility when managing bigger purchases on their card.

9.Can I get an add-on card with my SBI Aurum Credit Card?

Yes, SBI Aurum Credit Card holders can issue add-on cards to eligible family members such as their parents, spouse, children or siblings above 18 years of age. Add-on cardholders can enjoy many of the same benefits as the primary card.

10. What is the cash advance fee on the SBI Aurum Credit Card?

The cash advance fee for the SBI Aurum Credit Card applies to ATM withdrawals made using the card and is calculated as a percentage of the transaction amount, subject to a minimum charge. The exact fee is listed in the fees and charges table above.

11.Is the annual fee on the SBI Aurum Credit Card ever waived?

Yes, the annual fee on the SBI Aurum Credit Card is waived once a cardholder crosses the annual spending threshold mentioned in the fees and charges table above. The exact fee and spending threshold are listed there for reference.

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