CardGuruji
SBI CardSBI Card

SBI Aurum Credit Card

TravelLifestyleShoppingDining
Welcome offer40,000 reward points (valued Rs.10,000) as joining benefit
Annual fee
₹ 9,999
Reward rate
4 reward points per Rs.100 spent
Credit score
750+
Compare cards

Free to apply via CardGuruji · subject to issuer approval

SBI Aurum Credit Card
MastercardRuPay
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

4 reward points per Rs.100 spent

1 reward point = Rs.0.25; points redeemable on reward portal or for Club Vistara Air Miles

Reward currency
Points
Card network
Mastercard · RuPay
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Unlimited international lounge access

  • Up to four domestic lounge accesses per year

  • 16 complimentary golf rounds per year

  • 12 complimentary golf lessons per year

  • 4 free movie tickets per month (max Rs.250 discount per ticket, max two tickets per transaction)

  • 1-year complimentary membership to Club Marriott, Mint Lounge, The Wall Street Journal

  • Foreign currency transaction fee as low as 1.99%

  • Cash advance fee 2.5% (min Rs.500)

  • Joining bonus of 40,000 reward points

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹9,999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
1.99% of transaction value
Late payment
Tiered: Nil for ≤Rs.100; Rs.100 for >Rs.100‑≤Rs.500; Rs.500 for >Rs.500‑≤Rs.1,000; Rs.750 for >Rs.1,000‑≤Rs.10,000; Rs.950 for >Rs.10,000‑≤Rs.25,000; Rs.1,100 for >Rs.25,000‑≤Rs.50,000; Rs.1,300 for >Rs.50,000
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.75% per month (45% per annum)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about SBI Aurum Credit Card

Everything you need to know about SBI Aurum Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for SBI Aurum Credit Card is nominal, and the annual renewal fee is ₹9999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for SBI Aurum Credit Card from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

SBI Aurum Credit Card is designed to reward everyday spends. It currently features: "40,000 reward points (valued Rs.10,000) as joining benefit". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.

Yes, SBI Aurum Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for SBI Aurum Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.