SBI Aurum Credit Card Review

The SBI Aurum credit card is a super premium invite-only credit card designed for high-net-worth individuals. It packs some premium travel and lifestyle benefits like – reward points on every transaction, free access to domestic and international lounges, travel insurance coverage, etc. making this one of the most premium credit cards, that has the potential to outshine most other premium credit cards. More sbi aurum credit card details are discussed below. 

SBI Aurum Credit Card Eligibility Criteria:

This is an invite-only credit card, which means you can only apply for this card if you are invited for it. 

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The annual Income Tax Return of the applicant should be greater than Rs. 40,00,000 (Approx).
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The annual Income Tax Return of the applicant should be greater than Rs. 40,00,000 (Approx).
  • A long and good relationship with the bank will help you to get this card. 
  • An excellent credit score (790) is needed to apply for the sbi aurum credit card .

If you have got the invitation, you can apply for this SBI credit card from the online sbi credit card application portal. Once your sbi credit card application is submitted successfully, you can track your sbi credit card application status from the sbi credit card tracking page

Required Documents To Apply For The SBI Aurum Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new sbi credit card rules, all new credit cards are delivered in an inactive state, but you can activate them manually by generating a new credit card PIN, you can find more about the sbi credit card pin generation process on our FAQ page

SBI Aurum Credit Card Yearly Charges:

  • SBI aurum credit card joining fee: Rs. 10,000 + GST
  • SBI credit card annual fee: Rs. 10,000 + GST

SBI Aurum Credit Card Benefits:

  • Mind-blowing welcome offer:

SBI welcomes their customers in style; with the activation of the card, you will get 40,000 reward points worth Rs. 10,000. The sbi credit card rewards will be credited to your account with the realization of the first-year joining fee. 

  • Attractive rewards:

This sbi credit card offers reward points on almost every transaction. For each Rs. 100 transaction, you will get 4 reward points. There are no sbi credit card rewards for wallet top-ups. 

These sbi credit card reward points are very useful, you can redeem sbi credit card points for flight/hotel booking, you can also exchange them for a product or gift voucher from Aurum’s portal. To redeem your points into cash, just fill up the sbi credit card reward points redemption form and send it to the sbi credit card email id

  • Free access to domestic and international lounges:

Using this sbi bank credit card you can get access to domestic and international lounges. You will get 4 free access per quarter to most of the frontline domestic lounges, and unlimited free access to most of the international lounges. Also, this sbi credit card offers you 1 free access per quarter to most of the domestic airport spas.

  • Free movie tickets:

This card offers 4 free movie tickets every sbi aurum credit card statement cycle. This offer is applicable on the tickets booked from BookMyShow, and the value of each free ticket should be within Rs. 250. You can claim a maximum of 2 tickets at a time. 

  • Benefits on the frontline lifestyle brands:

The sbi aurum credit card gives you complimentary memberships of premium lifestyle brands like – Zomato, BB Star, LensKart Gold, EazyDiner, Discovery Plus, Amazon, etc. 

  • Opportunity to make your card lifetime free:

On spending Rs. 12 lakh within an anniversary year, you will get a complete waiver on your next year’s sbi credit card annual charges . So if you want to make your card lifetime free, then you just have to keep spending Rs. 12 lakh per year. You can check your sbi credit card balance from your net banking account, or by calling the sbi credit card helpline number. 

  • Extra benefits on milestone spending:

You can also earn some extra benefits from milestone spending. The sbi aurum metal credit card millstone benefit scheme is discussed in the table below. 

Total spend Benefit
On spending Rs. 1 lakh in a month. A TataCliq voucher worth Rs. 1,500
On spending Rs. 5 lakh in an anniversary year.  A LUXE Voucher worth Rs. 5,000. 
On spending Rs. 10 lakh in an anniversary year. A Taj voucher worth Rs. 10,000.

You can check your total earned benefits from the monthly sbi credit card statement.

  • Complimentary travel insurance coverage:

This sbi aurum credit card also offers flight cancellation coverage for the primary cardholder, so that if you need to cancel your flight booking, your financial loss will be limited to a certain amount. 

Ticket category Total coverage
Non-refundable ticket. Rs. 3,000 per ticket.
Refundable ticket.  Rs. 3,000 per ticket. 

The above-stated sbi credit card benefits are applicable a maximum of 2 times per year. And the ticket should be booked using this card.

  • A dedicated portal for all your needs:

The sbi aurum credit card website is completely dedicated to all your needs. You can use this portal to redeem your reward points or get some additional information about this card.

  • Easy bill payment options:

You can make your sbi credit card payment online from your net banking account or by using any credit card payment app. But if you don’t have access to the online sbi credit card payment methods, then you can make your sbi credit card payment offline via cheque, ATM, or by visiting your nearby SBI branch.

  • Tension-free contactless payment:

This sbi credit card is equipped with an advanced contactless payment facility, this feature allows you to make payments with just a wave at any secure reader machine. 

Due to security reasons, the contactless payment method is limited to Rs. 5000 per transaction. You can also set your own desired sbi credit card limit from your sbi credit card online banking account. Also if you notice something suspicious with your account, you can temporarily disable your credit card using the sbi credit card app

SBI aurum credit card charges:

Particulars Payable amount
Cash Withdrawal Charge 2.5% against the withdrawn amount (min Rs. 500). Check your sbi aurum credit card limit before making a withdrawal.
Finance Charges The sbi aurum credit card interest rate is 3.5% monthly.
Foreign currency conversion charge 1.99% against the transaction amount.
add on credit card fee Free for a lifetime.

SBI Credit Card Customer Care Contact Details:

  • Call the sbi credit card customer care number : 1860-180-1290/022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card customer care email id : [email protected] 

100xGain Ratings: 


If you don’t want to continue with your existing SBI credit card, then you can cancel it very easily. The sbi credit card cancellation process is discussed on the 100xGain FAQ page.  

Final Opinion:

Now the question is whether you should upgrade your existing SBI credit card or not? But before going to the conclusion let’s talk about the advantages and disadvantages of this card. Let’s start with the benefits first. 

The sbi aurum credit card offers free access to domestic and international lounges which is a very useful feature for frequent travelers, also it offers free movie tickets, an annual fee waiver option, extra benefits on milestone spending, free memberships of premium brands, and reward points on every transaction which are more than enough to justify the Rs. 10,000 annual fee. 

Now the disadvantages, the major flaw of this card is the low reward rate which is around 1%, also this card does not offer anything on dining. But apart from that, there is really nothing much to complain about this card, and if you can budget an annual fee of Rs. 10,000 then this card will be a very good credit card for you.  

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