SBI Aurum

Super-premium metal card for lounges, movies and milestones.

Register interest in SBI AurumSBI Card

Aurum is primarily invitation-led

Welcome

40,000 RP, about Rs 10,000 value

Base

4 RP per Rs 100, about 1% reward value

Milestones

Tata CLiQ, Taj and Apple vouchers up to Rs 20L spends

Travel

Unlimited international lounges + 4 domestic/qtr

Movies

4 BookMyShow tickets monthly, up to Rs 1,000 value

40K welcome RP

Intl lounges

4 movie tickets/mo

40,000 welcome RP

Get 40,000 welcome Reward Points worth about Rs 10,000, plus Club Marriott and digital subscriptions.

Simple base rewards

Earn 4 RP per Rs 100 on eligible retail spends, worth around 1% at Rs 0.25 per Reward Point.

Milestone vouchers

Unlock Tata CLiQ Fashion, Tata CLiQ Luxury, Taj Experiences and Apple Premium Reseller vouchers with high spends.

International lounges

Get unlimited international lounge access via DreamFolks, 4 domestic visits per quarter and 1 guest visit per quarter.

Movie benefits

BookMyShow gives 4 complimentary movie tickets every month, worth up to Rs 1,000 monthly when fully used.

Golf and spa

Includes 16 golf rounds, 12 golf lessons yearly and 1 domestic airport spa session every quarter.

SBI Aurum: fees & key facts

SBI Aurum credit card fees and key facts
Eligibility	Invite/interest registration under SBI Card underwriting. No guaranteed ₹40 lakh income cutoff is published in the reviewed product terms
Joining fee	Rs 9,999 + GST, approximately Rs 11,800 after GST
Annual fee	Rs 9,999 + GST; waived on Rs 12 lakh annual spend
Welcome benefit	40,000 Reward Points worth about Rs 10,000
Additional welcome perks	Club Marriott membership plus digital subscriptions to Mint and The Wall Street Journal
Renewal benefit	No renewal bonus or voucher on annual fee payment
Base rewards	4 Reward Points per Rs 100 on eligible retail transactions
Reward value	1 Reward Point is worth Rs 0.25, giving an effective base reward rate around 1%
Reward exclusions	No reward points on fuel, rent payments and government transactions; wallet loads are generally excluded
Monthly milestone	Rs 1,500 Tata CLiQ Fashion voucher on Rs 1 lakh calendar-month spend
Annual Rs 5 lakh milestone	Rs 5,000 Tata CLiQ Luxury voucher
Annual Rs 10 lakh milestone	Rs 10,000 Taj Experiences voucher
Annual Rs 20 lakh milestone	Rs 20,000 Apple Premium Reseller voucher
Transfer partners	Air India Maharaja Club, Qatar Airways Privilege Club and Club ITC at 5 Aurum RP = 1 partner point; AirAsia and Adani Rewards at 4 Aurum RP = 1 partner point
Statement credit	Redeem in multiples of 4,000 RP, up to 60,000 RP/month under the framework effective 1 April 2026; the older no-cash portal PDF is superseded by this dated notice
Lounge access	4 domestic lounge visits per quarter, unlimited international lounge access via DreamFolks, and 1 complimentary international guest visit per quarter
Spa access	1 complimentary domestic airport spa session per quarter
BookMyShow	4 complimentary movie tickets every month, up to Rs 250 per ticket and Rs 1,000 monthly value
Flight cancellation	Up to Rs 3,500 per refundable ticket and Rs 3,000 per non-refundable ticket, capped at 2 claims per year
Golf	16 complimentary golf rounds and 12 complimentary golf lessons per year
Forex markup	1.99% + GST, or roughly 2.4%
Fuel surcharge waiver	1% on fuel transactions ₹500–₹4,000, capped at ₹250 per statement cycle

Public issuer terms checked 3 October 2026.

SBI Aurum product SBI dated customer notices SBI government exclusion list naming AURUM

Who should get it

SBI Aurum is SBI Card's super-premium metal card. It is built less as a pure rewards-maximisation product and more as a premium lifestyle card for lounges, movies, golf, spa and milestone vouchers.

The base reward rate is modest for the fee: 4 RP per Rs 100, worth about 1% when each point is valued at 25 paise. The real value appears only when you use the welcome points, BookMyShow benefit and milestone vouchers well.

The renewal structure is the weak spot. There is no renewal bonus or direct renewal voucher on fee payment, so users who do not cross the Rs 12 lakh waiver threshold need to be confident they will use the lifestyle benefits.

Reward exclusions

Transactions that do not earn AURUM Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel, rent, wallet loads and digital gaming
Cash advances, ATM withdrawals, balance transfers, Easy Money, Encash and drafts
Financial charges and transaction fees
Flexipay and merchant EMI transactions
Returned transactions and disputes resolved in the cardholder’s favour

Checked 3 October 2026SBI AURUM reward terms

SBI Aurum FAQs

Is SBI Aurum invite-only?

It is primarily invite-only for high-income and premium-card users, but SBI Card also lets users register interest through the Aurum website. Final approval remains subject to SBI Card's checks.

What is the SBI Aurum annual fee?

The joining and annual fee is Rs 9,999 plus GST. The annual fee is waived at Rs 12 lakh annual spends.

What welcome benefit does SBI Aurum offer?

The welcome package includes 40,000 Reward Points worth about Rs 10,000, Club Marriott membership, and digital subscriptions to Mint and The Wall Street Journal.

What reward rate does SBI Aurum offer?

SBI Aurum earns 4 Reward Points per Rs 100 on eligible retail spends. Since 1 Reward Point is worth Rs 0.25, the base reward rate is around 1%.

Does SBI Aurum include unlimited lounge access?

It includes unlimited international lounge access through DreamFolks, 4 domestic lounge visits per quarter, and 1 complimentary international guest visit per quarter.

What is the strongest SBI Aurum benefit?

For many users it is the lifestyle stack: 4 BookMyShow movie tickets every month, international lounges, quarterly spa access, golf benefits and milestone vouchers.

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