cards / credit / sbi card / sbi-aurum-credit-card
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§ BENEFITS
4 Reward Points per ₹100 on All Spends
Earn 4 reward points per ₹100 across all categories without restrictions
4 RP per ₹100
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited visits
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
Unlimited visits
Dedicated Concierge Services
24/7 dedicated concierge for travel bookings, restaurant reservations, and event tickets
24/7 concierge
Golf Privileges
Complimentary golf rounds at premium golf courses across India
Up to 12 rounds/year
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹18,00,000
- Min monthly salary
- ₹1,50,000
- Age
- 25 – 65
- Min credit score
- 780
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹9,999
- Annual fee
- ₹9,999
- APR (monthly)
- 3.25% p.m.
- APR (annual)
- 39.00% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹600
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding 18% GST
† Excluding 18% GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹500
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹10,000
- Contactless / day
- ₹1,00,000
§ INSURANCE
- Accidental death cover
- ₹50,00,000
- Permanent disability
- ₹50,00,000
- Air accident
- ₹1,00,00,000
- Travel insurance
- ₹1,00,00,000
- Baggage
- ₹50,000
- Lost-card liability
- ₹20,00,000
- Purchase protection
- ₹2,00,000
† within 24 h of loss
† 180 days
§ REWARDS
- Programme
- SBI Reward Points
- Earn rate
- 4 RP per ₹100 on all spends
- Point value
- ₹0.25
- Effective cashback
- 1.00%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited via Priority Pass
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with SBI Card and earns no commission on applications.