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SBI Aurum Credit Card

SBI Aurum Credit Card is a premium travel and rewards card with a first-year fee of ₹9,999 plus taxes. It offers unlimited international lounge access, a low forex markup fee of 1.99%, and four complimentary movie tickets per month, making it ideal for frequent travelers and lifestyle enthusiasts.

SBI Aurum Credit Card

About SBI Aurum Credit Card

SBI Aurum Credit Card is SBI’s top-tier offering, tailored for high-net-worth individuals seeking luxury and exclusive privileges. It provides unique perks such as AURUM’s Secretarial Access, complimentary membership to Inflection Point Venture (IPV), and digital subscriptions to premium publications like The Wall Street Journal and Mint. These features cater to a sophisticated lifestyle and position Aurum alongside other elite cards such as HDFC Infinia and ICICI Emeralde Private.

In addition to these luxury perks, the card includes standard premium benefits like unlimited international airport lounge access, low foreign exchange markup charges, and air miles conversion. However, when compared to competitors, Aurum has certain limitations.

  1. Reward Rate: The card’s rewards are relatively modest at just 1%, which is lower than competitors like HDFC Infinia (3.33%-33%) and ICICI Emeralde Private (3%).

  2. Lounge Access: While international lounge access is unlimited, domestic airport lounge usage is capped at 16 visits annually (4 per quarter).

Currently, SBI Aurum Credit Card is not available on Paisabazaar.com. To explore or apply for this card, visit the official SBI Aurum page.

Rewards & Travel Privileges

Earning Rewards:

  • Earn 4 points for every Rs. 100 spent¹, with flexible redemption options.

Redemption Values:

  • 1 reward point = Rs. 0.25
  • 5 points = 1 Air India Maharaja Club point
  • 4 points = 1 AirAsia point
  • 5 points = 1 Green Point (Club ITC)
  • 5 points = 1 Avios (Qatar Airways)
  • 4 points = 1 Adani Rewards point

Lounge Access:

  • Complimentary membership with DreamFolks for airport lounge privileges
  • Unlimited access to international lounges (1 guest allowed per quarter)
  • Up to 16 domestic lounge visits annually (4 per quarter)

Forex Benefits:

  • Enjoy a low foreign exchange markup fee of just 1.99%

Additional Features & Benefits

  • Welcome Rewards: Receive 40,000 AURUM reward points valued at Rs. 10,000² upon card activation.

  • Exclusive Memberships: Complimentary access to Club Marriott, Inflection Point Venture (IPV), and digital subscriptions to The Wall Street Journal and Mint, valued at Rs. 29,382 for the first year.

  • Spa Privileges: Enjoy 1 free spa session at selected airport locations per quarter, totaling 4 sessions annually.

  • Golf Benefits: Avail 16 complimentary rounds of golf per year (4 per quarter) along with 12 golf lessons annually.

  • Movie Benefits: Get 4 movie tickets per month via BookMyShow, worth Rs. 1,000.

  • Premium Services: Access AURUM’s Secretarial Services for personalized assistance.

  • Monthly Milestone Rewards: Earn a Tata Cliq Fashion voucher worth Rs. 1,500 each month on spends of Rs. 1 lakh.

  • Annual Milestone Rewards:

    • Spend Rs. 5 lakh to receive a Tata Cliq Luxury voucher worth Rs. 5,000

    • Spend Rs. 10 lakh to get a Taj Experience voucher worth Rs. 10,000

    • Spend Rs. 20 lakh to claim an Apple voucher worth Rs. 20,000

  • Fee Waiver: Annual fee waived on total annual spending of Rs. 12 lakh.

  • Fuel Surcharge Benefit: 1% fuel surcharge waiver up to Rs. 250 on transactions between Rs. 500 and Rs. 4,000.

  • Insurance Coverage:

    • Travel insurance of Rs. 1 lakh for flight delays and loss of baggage or goods during travel

    • Air accidental death coverage of Rs. 3.5 crore

    • Two annual flight cancellation reimbursements from any airline (including refundable and non-refundable tickets)

    • Lost card and fraud protection coverage up to Rs. 10 lakh

SBI Aurum Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

SBI Aurum Credit Card: Fees & Charges

Fee Type Amount
Joining Fee Rs. 9,999
Annual Fee Rs. 9,999
Card Replacement Fee Rs. 1,500
Rewards Redemption Fee Waived
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
Total Amount Due:
Rs.0 - Rs. 500 Nil
Rs. 501- Rs. 1000 Rs. 400
Rs. 1,001- Rs. 10,000 Rs. 750
Rs. 10,001 - Rs. 25,000 Rs. 950
Rs. 25,001 - Rs. 50,000 Rs. 1,100
Greater than Rs. 50,000 Rs. 1,300

SBI Aurum’s Comparison with other Similar Cards

Particular SBI Aurum HDFC Diners Club Black HDFC Infinia Axis Magnus ICICI Emeralde Private
Card Fee Rs. 9,999 Rs. 10,000 Rs. 12,500 Rs. 12,500 Rs. 12,499
Waiver Condition Rs. 12 Lakh Rs. 5 Lakh Rs. 10 Lakh Rs. 25 Lakh Rs. 10 Lakh
Activation Benefits Points worth Rs. 10,000 + 1-year membership of Inflection Point Venture(IPV), Club Marriott, The Wall Street Journal and Mint. Memberships* of Club Marriott, Times Prime, Amazon Prime, MMT BLACK Elite Tier and three-month Swiggy One (renewable) Points worth up to Rs. 12,500 + Membership of Club Marriott Luxe gift card or The Postcard Hotels gift voucher worth Rs. 12,500 Points worth Rs. 12,500 + 1 year Taj Epicure membership (renewable)
Reward Rate 1% 3.33% – 33.33% 3.33% – 33.33% 2.4% – 12% 3%
Lounge Access Unlimited- International Domestic – 16 Unlimited Unlimited Unlimited
Guest Visits (p.a.) 4 - - 4 -
Milestone Benefits Up to Rs. 20,000 Up to Rs. 6,000 - - Up to Rs. 6,000
Movies Up to Rs. 1,000 p.m. Optional as part of Milestone benefit - - Up to Rs. 1,500
Golf 16 rounds & 12 lessons p.a. 24 games per quarter Unlimited - Unlimited
Other Premium Features Aurum’s Secretarial Access Exclusive discounts at leading spas, salons, gyms, etc. Hotel and Dining Benefits with ITC Hotels Exclusive offers at international Oberoi & Trident hotels: Travel Cancellation Cover with a refund of up to Rs. 12,000 annually

Key Points to Consider Before Applying

  • Ideal For Premium Privileges: Suitable if your focus is mainly on high-end benefits, though many perks are limited to the first year.

  • Existing Card Holders: A good choice if you already have a card with strong rewards, but ensure you can handle multiple cards with higher annual fees.

  • Brand Preference: Best for users loyal to SBI and interested in exclusive Aurum offerings.

  • Spending & Travel Patterns: Works well if 16 domestic lounge visits per year and a 1% reward rate match your travel and spending habits, especially if you don’t spend heavily or travel frequently.

Steps to Close SBI Aurum Credit Card

If you want to close your SBI Aurum Credit Card, you can follow the official closure methods provided by SBI Card. These offline methods are useful if you prefer direct assistance or are unable to submit an online request.

Visit Nearest Branch

  • Visit your nearest SBI branch with valid ID proof and credit card details

  • Request the credit card closure form from the bank representative

  • Fill in all required details accurately

  • Submit the form for verification and processing

Call Customer Care

Steps:

  • Request the executive to initiate credit card closure

  • Provide details like last 4 digits of the card and registered mobile number

  • Complete verification as instructed

Send Written Request

You can also send a formal written request including:

  • Cardholder name

  • Registered address

  • Contact number

  • Last 4 digits of the credit card

Mailing Address:-

SBI Cards and Payment Services Limited

  • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
  • E-1, 2, 3 Netaji Subhash Place, Wazirpur, New Delhi – 110034

Important Points to Remember

  • Clear all outstanding dues including EMIs, interest, and charges before closure

  • Redeem reward points before account closure

  • Cancel all auto-debits and subscriptions linked to the card

  • Do not use the card after submitting the closure request

  • Request confirmation via SMS or email

After Closure

  • Cut the card diagonally across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure status is updated as “Closed”

SBI Aurum Credit Card Helpline Number

If you need assistance regarding your SBI Aurum Credit Card, you can contact the customer support team of SBI Card for help with billing, payments, card blocking, reward points, and other services.

Customer Care Helpline Numbers

Availability

  • IVR Services: 24×7 available

  • Customer Care Executives: Monday to Saturday (9:00 AM – 6:00 PM)

Note: Calls to 1860 numbers may be chargeable depending on your telecom operator.

International Customer Support

This number can be used when calling from outside India.

Email Support

SMS Services (For Existing Cardholders)

Send SMS to 5676791 from your registered mobile number:

  • Balance Check: BAL XXXX

  • Available Limit: AVAIL XXXX

  • Block Card: BLOCK XXXX

  • Payment Status: PAYMENT XXXX

  • Reward Points: REWARD XXXX

  • E-Statement: ESTMT XXXX

  • Duplicate Statement: DSTMT XXXX MM

(Replace XXXX with last 4 digits of your card)

WhatsApp Support

Activation Methods:

  • Missed call on 08080945040

  • SBI Card mobile app or website registration

  • SMS: WAOPTIN XXXX to 5676791

Services Available

Customer care can help you with:

  • Billing and statement-related queries

  • Reporting lost or stolen cards

  • Fraud and transaction disputes

  • Reward points and offers information

  • Credit card closure or upgrade requests

Important Tips

  • Keep your registered mobile number and card details ready

  • Never share sensitive information like OTP, PIN, or CVV

  • Always note your complaint/reference number for tracking

  • In case of fraud, block your card immediately using official channels

FAQs

What determines the credit limit for the SBI Aurum card?

The credit limit for the Aurum card is personalized and depends on various factors, including your credit history, current financial obligations, monthly income, and overall profile.

Both cards cater to premium users but differ in focus. HDFC Infinia offers a higher rewards rate, making it ideal for frequent spenders. SBI Aurum provides exclusive memberships and lifestyle perks, though many are valid only during the first year. For long-term overall savings, Infinia may be preferable.

Cardholders can enjoy complimentary movie tickets by booking through the BookMyShow platform using the Aurum card.

This card is targeted at high net-worth individuals, with an annual gross income requirement of Rs. 40 lakh or more.

No, the card no longer provides an Amazon Prime subscription as part of its benefits.

The cash advance fee is 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Yes, Aurum provides up to 16 domestic lounge visits per year and unlimited international lounge access (subject to terms), including one guest per visit for international lounges.

The annual fee may be waived if your yearly spend meets a specific threshold, ensuring premium users can maximize benefits.