Aurum SBI Card
Updated on September 1, 2026
🎖️Reward Rate
4 Reward Points per ₹100 spent on all domestic and international transactions
Rewards
Reward Type
Reward Points
Reward Rate
- • 4 Reward Points per ₹100 spent on all domestic and international transactions
- • No category capping on base reward rate
Welcome Benefit
'Get 40,000 AURUM Reward Points equivalent to ₹10,000 on payment of your first annual fee.' No mention of Club Marriott or Mint/WSJ subscription on the Overview page.
Milestone Benefit
No ₹15L tier shown; official's next tier above ₹12L is Apple products worth ₹20,000 at ₹20L annual spend; Apple products worth ₹20,000 on reaching annual spends of ₹20 Lakh; Tata CliQ Fashion voucher worth ₹1,500 every month on reaching monthly spends of ₹1 Lakh
Redemption
- • Redeem for flight tickets, hotels, and luxury catalog on AURUM portal (1 Point = ₹0.25)
- • Redeem for Taj Experiences, Apple e-vouchers, and statement credit
Benefits
- Golf Privilege - Complimentary golf: AURUM Golf Privilege: 16 complimentary golf rounds per calendar year (4 per quarter) + 12 complimentary golf lessons per calendar year
- Benefits - Fuel Surcharge Waiver: 1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500–₹4,000 (excl. GST/other charges)
- max waiver ₹250 per statement cycle, per card account
- Benefits - FlexiPay EMI / Balance Transfer: AURUM FlexiPay EMI: convert transactions ≥ ₹2,500 into monthly instalments within 30 days
- Balance Transfer: move outstanding balances from other cards at low interest
- Benefits - Insurance & protection cover: Travel insurance ₹1 Lakh (flight delay/baggage loss)
- Air accidental death coverage ₹3.50 Crore
- two flight cancellation refunds/year (refundable & non-refundable)
- Lost Card & Fraud Protection ₹10 Lakhs
- Features - Add-on cards: Add-on cards available for parents, spouse, children or siblings above age 18
- Features - Cash access: Cash Access: withdraw cash from over 1 million ATMs across the globe via banking partnerships
Things to Know Before you apply
Aurum SBI Card Eligibility Criteria
- Age: 25–70 years
- By-Invitation Only for CXOs, Ultra High Net-Worth Individuals, and elite SBI clients
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹9,999 |
| Annual Fee | ₹9,999 |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹500) |
Fee waiver: Spend ₹12,00,000 or more in preceding year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The AURUM SBI Card issued by SBI is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
Compare with Similar Cards
Joining Fee
₹9,999
Annual/Renewal Fee
₹9,999
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
- • 'Get 40,000 AURUM Reward Points equivalent to ₹10,000 on payment of your first annual fee.' No mention of Club Marriott or Mint/WSJ subscription on the Overview page.
- • Welcome Benefit: 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • 4 Reward Points per ₹100 spent on all domestic and international transactions
- • No category capping on base reward rate
- • Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
- • Reward Rate — HPCL Fuel/LPG: Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waived) on fuel purchases at HPCL retail outlets, LPG purchases & via HP Pay App
- • Reward Rate — Groceries/Departmental/Utility: Up to 2% Savings (10 Reward Points per ₹150) on utility & departmental stores
- • Reward Rate — Other Categories: 2 Reward Points for every ₹150 spent on other categories
- • Reward Rate — Fuel-Outlet Restriction: Accelerated Reward Points and Fuel Surcharge Waiver benefits are provided only on fuel transactions done at eligible HPCL fuel outlets
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions