AURUM
SBI Card · Open to apply
SBI Card's super-premium card: 4 points (₹1) per ₹100 on non-fuel spends with points that never expire, 40,000 points (₹10,000) for the joining fee, a ₹1,500 Tata CLiQ voucher every month with ₹1 lakh of spend and annual vouchers up to ₹20,000, unlimited international lounges, 1.99% forex and golf and movie benefits.
- Annual fee
- ₹9,999 + GST a year
- Joining fee
- ₹9,999 + GST
- Fee waiver
- Annual fee waived on ₹12,00,000 spend per card year
- Base rate
- 4 points per ₹100 on all other spends: 4 AURUM Reward Points per ₹100 (about 1% at cash value)
- Lounges
- International: unlimited visits a calendar year; Domestic: 4 visits a calendar quarter
- Forex markup
- 1.99%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on cash advances, ATM withdrawals, Encash, Easymoney and Dial a Draft
- No points on Flexipay and Merchant EMI
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on digital gaming platforms (MCCs 5816, 7993, 7994)
Where the sources disagree
- Annual milestone vouchers: The AURUM site's FAQ still describes a ₹8,000 Taj voucher at annual spends of ₹8 lakh and memberships the notices withdrew (Amazon Prime, bbstar, Zomato Pro, Discovery Plus). The site's home page and SBI Card's 2025 news item give ₹10,000 at ₹10 lakh; we use those and treat the FAQ as stale.
Terms the calculator does not value
- BookMyShow benefit: up to ₹1,000 off movie tickets a month (four tickets, ₹500 a booking at most). Not counted in the card's value.
- The first-year Club Marriott, Mint and WSJ, and Inflection Point Ventures memberships carry no value in the calculator (only IPV's is stated, at ₹29,382); whether they are given again on renewal is not stated.
Sources
- AURUM site, home, benefits and fees pages (earn rate, welcome points, milestones, lounges, insurance, memberships) (Product page, the bank's own, read 6 Nov 2026)
- AURUM FAQs (partly stale) (FAQ, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AURUM Reward Portal Redemption Program T&C (PDF of 17 Nov 2025) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (AURUM notices 2022–2024) (Bank notice, the bank's own, read 6 Nov 2026)
- Economic Times, SBI AURUM Credit Card, from lounges to luxury hotels (9 Jul 2025), as posted in SBI Card's newsroom (News, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on government-related transactions from 1 Jun 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card product-page data file for the Aurum Card (annual and renewal fee ₹9,999, add-on nil, Apply Now) (Product page, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on digital gaming platforms from 1 Dec 2024 (Bank notice, the bank's own, read 6 Nov 2026)