SBI Card AURUM is an invite-only super-premium card — you can register your interest, but it is not available through an open application.
How to get an invitation
- Register your interest via SBI Card net banking. SBI lets existing customers express interest in AURUM online — this is the official first step.
- Hold an existing SBI Card with a high limit. A current SBI credit card with a limit above ~₹5 lakh and clean repayment markedly improves your invitation odds.
- Expect income to matter but not to decide it. SBI publishes no income or credit-score criterion for AURUM; its own card finder files the card under the ₹2 lakh-and-above monthly income band, and income alone does not earn an invite.
- Build the relationship: route salary or investments through SBI and use your existing SBI card heavily to earn an upgrade offer.
What issuers look for
- SBI’s card finder files AURUM under ₹2 lakh-and-above a month (a filter, not a published minimum)
- Existing SBI Card with ₹5 lakh+ limit
- A strong credit record; strong SBI relationship
Observed patterns, not criteria the bank publishes. Any income or score level here is indicative.
In-depth review
SBI Card AURUM
SBI's super-premium metal flagship delivers a genuinely premium bundle — a Club Marriott membership, unlimited international lounges, 16 domestic lounge visits and an unusually generous direct free-movie benefit — wrapped around a base reward rate of about 1%. A milestone voucher ladder can lift a high-spender's effective return toward ~3.7%, but you buy this card for its specific perks, not its everyday earning, which loses cleanly to the Infinia and Magnus it's priced against.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹10,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
1% on Other
4 AURUM Reward Points (ARP) per ₹100 (~1% — SBI publishes 1 ARP = ₹0.25); fuel, rent, government & wallet loads excluded. ARP earned on AURUM never expire. Milestone voucher ladder can lift the effective return toward ~3.7%
Airport Lounge Access
16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate — SBI publishes the counts, not a value
Annual Fee Waiver
Fee of ₹9,999 + 18% GST (₹11,799 all-in)/yr fully waived when you spend ₹12,00,000/year
Golf Privileges
16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons
24x7 Concierge
24x7 dedicated concierge for travel, dining and lifestyle requests
Movie Ticket Benefit
Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
OTT Subscription
Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹12,000
Golf perk value
₹20,000
Milestone bonus value
- 24x7 lifestyle and travel concierge
- 12 complimentary golf rounds/year at partner courses
- Complimentary 1-year Club Marriott membership (member rates and dining discounts across participating Marriott properties). Our estimate discounts the ~₹14,000 list price for typical use
- Travel insurance and accident cover
- ₹20,000 Apple voucher on ₹20 lakh annual spend
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
2/month
Free movie tickets
- Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
✓
International lounges
₹20,000
Estimated annual value
1.99%
Forex markup
- Domestic + international airport lounge access (worth ~₹20,000/yr)
- Low forex markup: 2.0%
- Travel insurance cover included
For high-spending SBI customers who value the lounge bundle, Club Marriott and the free-movie benefit, and will climb the milestone voucher ladder. Not for those chasing a high everyday earn rate.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1%4 pts/₹100 × ₹0.25 | — |
Other: 4 AURUM Reward Points (ARP) per ₹100 (~1% — SBI publishes 1 ARP = ₹0.25); fuel, rent, government & wallet loads excluded. ARP earned on AURUM never expire. Milestone voucher ladder can lift the effective return toward ~3.7%
Earns nothing on: Fuel · Rent · Government & Tax · Wallet Loads · Online Gaming · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹11,799 |
| Joining fee (incl. 18% GST) | ₹11,799 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 1.99% |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,14,500/yr in total.
24x7 dedicated concierge for travel, dining and lifestyle requests
Complimentary 1-year Club Marriott membership (member rates and dining discounts across participating Marriott properties). Our estimate discounts the ~₹14,000 list price for typical use
Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate — SBI publishes the counts, not a value
16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons
Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle per card account
Air accident cover ₹3.5 crore, travel insurance ₹1 lakh, lost-card and fraud protection ₹10 lakh, and two flight-cancellation refunds a year
₹5,000 Tata CLiQ Luxury voucher on ₹5 lakh annual spend
₹10,000 Taj voucher on ₹10 lakh annual spend
₹1,500 Tata CLiQ voucher for each month you spend ₹1 lakh — ₹18,000 a year at a steady ₹1L a month (₹12L annual). This is the monthly award, not the ₹12 lakh annual-fee reversal
₹20,000 Apple voucher on ₹20 lakh annual spend
Milestone ladder
- ₹5,00,000 a year₹5,000 of value
- ₹10,00,000 a year₹10,000 of value
- ₹20,00,000 a year₹20,000 of value
Should you get it?
- Best for: SBI HNW banking relationship customer, Marriott guest who will use the Club Marriott member rates, Super-premium card seeker in the SBI ecosystem, India-first HNW traveller who prefers SBI accounts
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on everyday spends (1% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Metal card with unlimited international lounge access plus 16 domestic visits a year (4 a quarter, add-ons included)
- Complimentary 1-year Club Marriott membership, plus WSJ and Mint digital subscriptions
- 1-year Inflection Point Ventures membership (SBI values it at ₹29,382) — worth something only if you actually invest
- BookMyShow tickets worth ₹1,000 a month, 16 golf rounds and 12 golf lessons a year
- Concierge service for travel bookings and lifestyle management
- SBI's most prestigious card — suitable for high-profile relationship banking customers
✕ Cons
- ₹9,999 annual fee, and the ₹12 lakh spend needed to waive it is a high bar most holders will miss
- HDFC Infinia offers better points value per rupee at a similar fee (the Axis Magnus no longer does after its April 2026 devaluation)
- Club Marriott is most valuable only if you already stay or dine at Marriott properties
- SBI's service infrastructure may not match private bank premium card experience
- SBI's AURUM FAQ page still lists the Taj milestone as ₹8,000 at ₹8 lakh while the product page says ₹10,000 at ₹10 lakh — confirm with SBI before relying on it
Eligibility
SBI Card publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any income or score level in the panel above is indicative of the profile the bank extends the card to, not a threshold it states, and the same goes for any salary figure quoted for it elsewhere.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁AURUM's own rewards portal (rewards.aurumcreditcard.com), not SBI's Shop & Smile: flight & hotel e-gift vouchers, experiences and Nat Geo Expeditions at 1 ARP = ₹0.25
- 🎁Points transfer to four partners — Air India Maharaja 5:1, Qatar Privilege Club 5:1, Club ITC 5:1, airasia 4:1 (min 500, in 500s). All four return less than the ₹0.25 the points are already worth, so transferring loses value
- 🎁Milestone vouchers from Tata CLiQ Luxury, Apple and Taj on hitting spend thresholds
- 🎁No ₹99 redemption fee (waived on AURUM; it applies to every other SBI card)
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
Only four SBI cards can transfer Reward Points at all. The two Air India co-brands reach Air India alone, at 1:1 (⇒ ₹1/pt — the only SBI Reward Point route that beats cash). AURUM reaches four partners through its own portal — Air India 5:1, Qatar 5:1, Club ITC 5:1, airasia 4:1 — and EVERY ONE OF THEM LOSES MONEY: at 5:1 an Aurum point is worth ₹0.20 against the ₹0.25 SBI itself publishes for it, and the airasia route is ₹0.05. AURUM earns plain SBI Reward Points despite the 'AURUM Reward Points / ARP' branding: SBI's own T&C says points carry forward UNCONVERTED on upgrade to Aurum, keeping the old card's expiry, which no separate currency could do. Do not confuse any of this with SBI Card MILES, which earns Travel Credits — a genuinely different currency with 25 partners, and which reaches Club ITC at 2:1 where Aurum gets 5:1.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The everyday earn is only ~1% (and excludes fuel/rent/government/wallet), so the value depends on the lounges, the memberships and climbing the milestone voucher ladder — rivals out-earn it on raw spend.
Frequently asked questions
Does it charge extra for dynamic currency conversion?
How many reward points does AURUM earn?
Does AURUM give unlimited lounge access?
Is the annual fee waived?
Is AURUM open to apply?
How has the SBI Card AURUM changed over time?
Has the SBI Card AURUM been devalued recently?
When did the SBI Card AURUM's fees last change?
How did the SBI Card AURUM change in 2024?
The bottom line
AURUM is a perks card: unlimited international lounges, 16 domestic visits, golf, a Club Marriott membership and a strong free-movie benefit make a genuinely premium bundle, and the milestone ladder can push a heavy spender's return toward ~3.7%. But the ~1% everyday earn loses to the Infinia at the same price — buy it for the specific perks you will use, not the base rate.
How this page was built
Counted from this card’s own record: 1 earn rule, the spends listed as earning nothing and 12 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the SBI Card AURUM are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
SBI Card AURUM
SBI's super-premium metal flagship delivers a genuinely premium bundle — a Club Marriott membership, unlimited international lounges, 16 domestic lounge visits and an unusually generous direct free-movie benefit — wrapped around a base reward rate of about 1%. A milestone voucher ladder can lift a high-spender's effective return toward ~3.7%, but you buy this card for its specific perks, not its everyday earning, which loses cleanly to the Infinia and Magnus it's priced against.
HDFC Infinia vs SBI AURUM: Which Super-Premium Metal Card Is Worth It in 2026?
Both are metal flagships aimed at India's wealthiest cardholders, but they're not really the same product. Infinia is a rewards engine; AURUM is a perk bundle. The right choice depends on whether you redeem points or live in lounges, on golf courses and at Marriott properties.
Credit Cards That Come With a Dining or Hotel Membership (2026): Club Marriott, EazyDiner Prime, Taj Epicure
Some premium cards bundle a paid dining-or-stay membership as a perk — Club Marriott, EazyDiner Prime, Taj Epicure, Taj InnerCircle. This guide maps which card gets you which membership in 2026, what each membership actually does, and the one valuation rule that keeps a bundled perk from flattering a card: a membership is worth what you'll use, not its face value. Distinct from our best-dining-rate guide — this is about the memberships, not the reward rates.
SBI Card ELITE
The ELITE was always a membership portfolio more than a rewards card — and in 2026 the Vistara-Air India merger pulled the Trident and Club Vistara status memberships out. What remains is quietly decent: a low ~1.99% forex, 6 international Priority Pass visits, 5X on everyday categories, and milestones worth up to ₹12,500. It's now a travel-leaning card for the internationally-mobile SBI customer.
Times Black ICICI Bank Credit Card
A super-premium metal card built around entertainment access — movies, concerts, events without the ticket counter — wrapped in unlimited lounges and concierge. It is issued to ICICI's HNW relationship customers rather than on the open market. Genuinely brilliant for the person attending ticketed events most weeks; a ₹20,000 indulgence for everyone else. The ₹25 lakh fee waiver and modest rewards mean you should hold it for the access, at volume.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Apr 2026
2026
- ▼ RedemptionEffective 1 Apr 2026
Statement-credit redemption capped
Uncapped, any amount→≤60,000 pts/month, in 4,000-pt multiples
From 1 April 2026 SBI Card capped reward-point statement-credit redemption at 60,000 points (~₹15,000) per month and only in multiples of 4,000 points, reducing flexibility for AURUM holders.
Verification: SBI Card ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Nov 2025
Fee & charge revision (wallet-load fee added)
SBI Card's portfolio-wide fee revision added a 1% fee on wallet loads above ₹1,000 (plus higher cash-payment, cheque, dishonour and cash-withdrawal charges), applying to AURUM alongside a ₹1,500 card-replacement fee.
Verification: SBI Card ↗ · Confidence: High
2024
- ▼ RewardEffective 1 Dec 2024
Digital gaming spends stop earning
Reward Points earned→No Reward Points on MCC 5816, 7993, 7994
From 1 December 2024 the card stopped accruing Reward Points on spends at Digital Gaming Platforms and Merchants (MCC 5816, 7993, 7994). SBI publishes a card-by-card list naming AURUM among roughly 45 affected cards. Recorded 2026-08-27 from that list during the SBI portfolio sweep; it now binds in card-data via an ONLINE_GAMING exclusion.
Verification: SBI Card ↗ · Confidence: High
- ▼ RewardEffective 1 Jun 2024
Government spends made reward-ineligible
Reward points earned→No reward points
Government-category transactions (MCC 9399 and 9311) became ineligible for reward points on AURUM from 1 June 2024, narrowing the base earn further after fuel, rent and wallet exclusions. SBI names AURUM explicitly in the card list attached to its reward-point FAQ.
Verification: SBI Card ↗ · Confidence: High
- ▼ RewardEffective 1 Apr 2024
Reward points removed on rent payments
Reward points earned→No reward points
SBI Card stopped awarding reward points on rent / MCC-6513 transactions across its portfolio, including AURUM, effective 1 April 2024 (15 April for co-brand cards).
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sbi-aurum#value-timeline">SBI Card AURUM value timeline</a>, CardAdvisor (CC BY 4.0).