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 – aurum rewards 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.
How does the sbi aurum credit card eligibility work?
This is a sbi invite only credit card, which means you can only apply for this card if you are invited for it.
- Resident Type: Indian
- SBI credit card eligibility criteria 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).
- SBI credit card eligibility criteria 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).
- 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.
What documents are required 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
- Salaried Person (any 1)
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 sbi card pin. You can find more about the sbi credit card pin generation process on our FAQ page.
What are the 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
What are the sbi aurum credit card benefits?
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A hearty welcome to make a wonderful start for you:
SBI welcomes their customers in style; with the activation of the aurum card, you will get 40,000 aurum reward points worth Rs. 10,000. The sbi credit card rewards will be credited to your account with the realization of the first-year sbi aurum card joining fee.
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Get rewarded for every transaction you make:
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, and 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.
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Enjoy free access to domestic and international lounges:
Using this sbi bank credit card you can get access to domestic and international lounges along with some premium previleges.
|
Service |
Limit |
Service provider |
| Domestic airport lounge access | 4 accesses per quarter | MasterCard/Visa |
| International lounge access | Unlimited free access | DreamFolks airport lounges |
| Domestic airport spa access | 1 free access per quarter | Dreamfolks |
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Make evenings entertaining with free movie tickets:
This card offers 4 free movie tickets (maximum ticket value Rs.250) every sbi aurum credit card statement cycle. This sbi card movie offer is applicable on the tickets booked from BookMyShow, You can claim a maximum of 2 tickets at a time.
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Earn 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.
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Get an 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 this super-premium 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.
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Earn 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 sbi credit card statement cycle | 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 |
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Complimentary travel insurance coverage:
This sbi aurum credit card also offers flight cancellation coverage for the primary cardholder, the details of which are given below.
|
Ticket category |
Total coverage |
| Non-refundable ticket | Rs. 3,000 per ticket |
| Refundable ticket | Rs. 3,500 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 sbi aurum card.
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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 aurum card rewards or get some additional information about this sbi super premium credit card.
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Convenient sbi credit card payment options to make your life easier:
You can make your sbi credit card payment online from your net banking account or by using any credit card payment app like Google pay, Paytm, Phone pe, Cred, etc. Also, if you don’t have access to the online sbi credit card payment methods, then you can pay your card bill offline, more about which is discussed on the 100xGain sbi credit card faq page.
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Enjoy the convenience of the contactless payment system:
This sbi credit card is equipped with an advanced contactless payment facility, this feature allows you to make sbi credit payments just by placing your card over any contactless-enabled POS machine. But fraudulent transactions can happen anytime, and if you notice something similar, you can temporarily disable your credit card using the sbi credit card app.
What are the sbi aurum credit card charges?
|
Particulars |
Payable amount |
| SBI credit card cash withdrawal charges | 2.5% against the withdrawn amount (min Rs. 500). Check your sbi aurum credit card limit before making a withdrawal |
| SBI card finance charges | The sbi aurum credit card interest rate is 3.5% monthly (applicable if the sbi card payment is not made within the due date) |
| Foreign currency conversion charge | 1.99% against the transaction amount |
| Add on credit card fee | Free for a lifetime |
To ensure the security of your sbi credit card account, online transactions on all new credit cards are delivered in an inactive state. So if you want to know how to get sbi aurum credit card activated for online transactions, then make sure to take a look at our faq page.
How to contact the sbi credit card customer care department?
- 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: customercare@sbicard.com
100xGain Ratings:
7.5/10
Pros and Cons of the sbi aurum credit card:
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Pros |
Cons |
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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 aurum card advantages and disadvantages 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, 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 sbi aurum card annual fee.
Now the disadvantages, the major flaw of this sbi credit 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 aurum credit card. But if you want to compare some alternative options, then feel free to take a look at the alternative card options given below.
Alternative cards of the aurum sbi card:
- 6e rewards indigo hdfc credit card (Best for reward points and dining benefits)
- Intermiles hdfc diners club credit card (Best for reward points, lounge access, and dining benefits)
- Ola money sbi credit card (Best for offerIntermiles hdfc diners club credit carding benefits on online cab booking)
- SBI pulse card (Best for reward points, lounge access, and healthcare benefits)