AURUM Credit Card
SBI Card · Visa · Super Premium card
A broad super-premium package for users who can repeatedly consume lounge, movie, golf and membership benefits.
High-income frequent travellers who can use premium privileges every month and clear the fee waiver.
Terms checked 24 Sept 2026
- Annual fee
- ₹9,999 + GST
- Joining fee
- ₹9,999 + GST
- Base reward rate
- 1%
- Forex markup
- 2.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Bills & utilities | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹12,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
16 domestic airport lounge visits per year • Unlimited international airport lounge visits
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
1 international airport lounge visit per year · DreamFolks
Guest access: Included
Unlimited primary-card access; the positive visit placeholder is ignored when unlimited is true. One complimentary guest visit is available per quarter.
Movies and entertainment
BookMyShow · 100% discount · up to ₹500 · 2 uses/month
Availability: Up to two eligible bookings per month, with two tickets per booking and ₹250 maximum discount per ticket..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 1 item
Eligible AURUM Reward Points
Usage-based valueFour AURUM Reward Points per ₹100 on eligible non-fuel purchases; excluded transaction classes earn zero.
Fees · 2 items
Annual card fee
Cost ₹9,999₹9,999 annual fee before applicable tax.
Joining fee
Cost ₹9,999₹9,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹9,999Annual fee may be waived after ₹12,00,000 of eligible annual spending.
Conditions: Reach ₹12,00,000 eligible annual spending
Exclusions: fuelCommute · rent
Welcome benefits · 1 item
40,000 AURUM Reward Points
Recorded value ₹10,000Welcome points worth ₹10,000 at ₹0.25 per point.
Conditions: Pay the applicable first annual membership fee · Issuer fulfilment and account-standing terms apply
Spend milestones · 4 items
₹1,500 monthly voucher at ₹1 lakh
Recorded value ₹1,500Unlocked after ₹1,00,000 of eligible spending.
Conditions: Reach ₹1,00,000 per calendar month
₹5,000 voucher at ₹5 lakh
Recorded value ₹5,000Unlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
₹10,000 voucher at ₹10 lakh
Recorded value ₹10,000Unlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
₹20,000 voucher at ₹20 lakh
Recorded value ₹20,000Unlocked after ₹20,00,000 of eligible spending.
Conditions: Reach ₹20,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: not available.
International lounge access
Usage-based valueUnlimited visits through DreamFolks. Guest access: included. Unlimited primary-card access; the positive visit placeholder is ignored when unlimited is true. One complimentary guest visit is available per quarter.
Movies and entertainment · 2 items
BookMyShow movie offer
Usage-based · up to ₹12,000100% discount up to ₹500, 2 times per month. Up to two eligible bookings per month, with two tickets per booking and ₹250 maximum discount per ticket.
15% District dining discount under partner terms
Shown without a cash value
Golf · 1 item
16 golf rounds and 12 golf lessons per calendar year
Shown without a cash value
Insurance and protection · 4 items
Travel disruption and baggage cover up to ₹1 lakh under issuer terms
Shown without a cash valueAir accidental-death cover up to ₹3.5 crore
Shown without a cash valueTwo eligible flight-cancellation refunds per year
Shown without a cash valueLost-card and fraud protection up to ₹10 lakh
Shown without a cash value
Memberships · 2 items
One-year Club Marriott membership
Shown without a cash valueOne-year Inflection Point Ventures membership advertised at ₹29,382
Shown without a cash value
Concierge · 1 item
Premium concierge and secretarial-access facilities
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish one universal numeric income threshold for AURUM. Final approval and limit remain issuer decisions.
Other benefits · 4 items
One domestic airport spa visit per quarter
Shown without a cash valueOne-year Wall Street Journal and Mint digital subscriptions
Shown without a cash value1% fuel-surcharge waiver capped at ₹250 per statement cycle
Shown without a cash value1% value-back on eligible non-fuel spend
Shown without a cash value
Other categories (4)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗
What stands out
- ✓ 1% value-back on eligible non-fuel spend
- ✓ Unlimited international lounge visits plus one guest visit per quarter
- ✓ Four domestic lounge visits and one spa visit per quarter
- ✓ Up to ₹1,000 monthly BookMyShow ticket value
What to watch
The ₹9,999 fee plus GST is waived only at ₹12 lakh annual spend. Rent, wallet, fuel, EMI and digital-gaming transactions earn no points, and lifestyle privileges are not added to ranking unless usage can be proven.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Digital gaming · Cash withdrawal · Emi conversion · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Digital-gaming transactions excluded from rewards
Digital-gaming transactions were added to the AURUM reward exclusions.
- Before
- Digital gaming was not part of the current exclusion schedule.
- After
- Digital-gaming transactions earn zero AURUM Reward Points.
Checked 24 Sept 2026AURUM current reward terms ↗ - Value reduced
Rent transactions excluded from rewards
Rent transactions no longer earn AURUM Reward Points.
- Before
- Rent was not part of the current exclusion schedule.
- After
- Rent transactions earn zero AURUM Reward Points.
Checked 24 Sept 2026AURUM current reward terms ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026