{
  "id": "sbi-aurum",
  "locale": "en",
  "name": "SBI Aurum Credit Card",
  "bank": "SBI Card",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹9,999 + GST",
  "loungeAccess": "Unlimited Domestic & Intl Lounges (+4 Free Guests)",
  "rewardsRate": "Unlimited Global Lounges · 48 Golf Rounds · 4 Free Movies/mo · ₹10,000 Taj Voucher",
  "bestFor": "Super-HNIs, golfers, BookMyShow cinema lovers, luxury hotel memberships & unlimited global lounges",
  "officialLink": "https://www.aurumcreditcard.com/",
  "aiVerdict": {
    "score": 2.8,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹9999) erodes net rewards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "sbi-aurum",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — Aurum Credit Card schedule of charges",
    "SBI Card Aurum — Unlimited lounge, BookMyShow, and golf terms"
  ],
  "feeWaiver": "Waived at ₹12,00,000 annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Card Material",
      "value": "Solid Black Metal"
    },
    {
      "key": "Lounge Access",
      "value": "Unlimited Global + Guests"
    },
    {
      "key": "Golf Privilege",
      "value": "48 Rounds / year (4/mo)"
    },
    {
      "key": "Movie Tickets",
      "value": "4 Free / month (₹12k/yr)"
    },
    {
      "key": "Welcome Gift",
      "value": "40k RP (₹10,000 value)"
    },
    {
      "key": "Annual Fee",
      "value": "₹9,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic & International Retail",
      "rate": "1.0% (4 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 RP (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Monthly Spend Milestone (₹1 Lakh spend)",
      "multiplier": "Milestone",
      "rate": "₹1,500 Tata CliQ Luxury",
      "monthlyCap": "₹1,500 / month (₹18k/yr)",
      "dailyCap": "—",
      "note": "On spending ₹1L in a calendar month."
    },
    {
      "channel": "Annual Spend Milestone 1 (₹5 Lakhs)",
      "multiplier": "Milestone",
      "rate": "₹5,000 Luxury Voucher",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Choose from curated brand list."
    },
    {
      "channel": "Annual Spend Milestone 2 (₹10 Lakhs)",
      "multiplier": "Milestone",
      "rate": "₹10,000 Taj Stay Voucher",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "Complimentary stay at Taj properties."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Luxury Brand Vouchers",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹500–₹4,000).",
    "Cash advance withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹9,999 + GST (40,000 Reward Points = ₹10,000 welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹9,999 + GST (Waived at ₹12,00,000 spend; 40k pts on renewal)"
    },
    {
      "item": "Forex Markup",
      "value": "1.99% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "1.99% / month (23.88% / year — Industry low APR)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "25–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹2.5 Lakhs+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹30 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}