The verdict
One of India's most feature-packed super-premium credit cards. The 40,000 welcome points (₹10,000 value) instantly offset the ₹9,999 joining fee, while 4 monthly BookMyShow tickets (₹12,000/year), 48 golf rounds, and unlimited international lounges with guest access provide immense ongoing value.
Paying the ₹9,999 fee yields 40k welcome points (₹10,000) + BookMyShow movies (₹12,000) + Club Marriott membership (₹8,000) + 48 golf games (~₹72,000) + unlimited global lounges (~₹40,000+), unlocking over ₹1,40,000 in annual luxury perks.
For spenders who do not play golf or watch movies in theatres, cards with higher base uncapped reward points like Infinia offer more flexible point transfers.
✓What works
- +Unlimited complimentary domestic AND international airport lounge access with 4 free international guest visits.
- +4 complimentary movie tickets every month on BookMyShow (up to ₹250 per ticket = ₹12,000/yr value).
- +48 complimentary golf rounds or coaching lessons per year (4 per month).
- +40,000 Reward Points (worth ₹10,000) welcome gift upon paying joining fee.
- +Complimentary 1-year Club Marriott, Mint + Wall Street Journal, and Amazon Prime memberships.
- +Low 1.99% + GST forex markup on international foreign currency spending.
✕What doesn't
- −Base reward rate on general spends is modest at 1.0% (4 RP per ₹100).
- −High annual fee waiver threshold of ₹12,00,000.
- −By-invitation only for selected high net worth individuals.
What it earns
1 Aurum Reward Point = ₹0.25 on redemption catalog or flight booking.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| All Domestic & International Retail | 1.0% (4 RP / ₹100) | Uncapped | 4,000 RP (₹1,000 value) |
| Fuel & Rent | 0% | Excluded | 0 RP |
Accelerated earn
₹18,000 Tata CliQ Luxury Vouchers & ₹10,000 Taj Milestone
Unlock monthly and annual milestone luxury vouchers.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Monthly Spend Milestone (₹1 Lakh spend)On spending ₹1L in a calendar month. | Milestone · ₹1,500 Tata CliQ Luxury | ₹1,500 / month (₹18k/yr) | — |
| Annual Spend Milestone 1 (₹5 Lakhs)Choose from curated brand list. | Milestone · ₹5,000 Luxury Voucher | Annual milestone | — |
| Annual Spend Milestone 2 (₹10 Lakhs)Complimentary stay at Taj properties. | Milestone · ₹10,000 Taj Stay Voucher | Annual milestone | — |
Redemption options
Redeem points on Aurum concierge portal for flights, hotels, and luxury brands.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Flight & Hotel BookingsBEST VALUE | ₹0.25 / pt | 2,000 pts | None | Nil |
| Luxury Brand VouchersBEST VALUE | ₹0.25 / pt | 2,000 pts | None | Nil |
Airmiles & Hotel Loyalty Transfer Partners
3 PartnersTransfer your Aurum Reward Points directly to global airline and hotel loyalty programs. Net realized value reflects actual flight and stay redemptions benchmarked against official transfer ratios.
| Loyalty Program | Ratio | Net Realized Value | Speed & Min | Action |
|---|---|---|---|---|
Singapore Airlines KrisFlyerHIGH YIELD airline•Star Alliance | 1 Pt : 1 KrisFlyer Miles | ₹0.90 – ₹2.20per bank pt | 3 - 7 days Min: 1,000 pts | Deep Dive → |
Club ITC / ITC OneHarmony hotel•ITC | 1 Pt : 1 Green Points | ₹1.00per bank pt | 3 - 5 days Min: 1,000 pts | Deep Dive → |
Air India Maharaja Club airline•Star Alliance | 1 Pt : 1 Maharaja Points | ₹0.60 – ₹0.90per bank pt | 3 - 7 days Min: 1,000 pts | Deep Dive → |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Unlimited Priority Pass lounges for cardholder + 4 free guests/year.
- +48 complimentary golf rounds per year.
- +4 free BookMyShow tickets every month.
- +24/7 dedicated Aurum concierge desk.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel transactions (1% surcharge waiver on ₹500–₹4,000).
- −Cash advance withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹9,999 + GST (40,000 Reward Points = ₹10,000 welcome gift) |
| Annual Renewal Fee | ₹9,999 + GST (Waived at ₹12,00,000 spend; 40k pts on renewal) |
| Forex Markup | 1.99% + GST |
| Finance Charges | 1.99% / month (23.88% / year — Industry low APR) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 25–65 years |
| Salaried Income | ₹2.5 Lakhs+ monthly net salary |
| Self-Employed Income | ITR above ₹30 Lakhs per annum |
Frequently Asked Questions
Does SBI Aurum Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for SBI Aurum Credit Card?
What is the reward rate and point redemption value on SBI Aurum Credit Card?
Which transactions are excluded from earning rewards on SBI Aurum Credit Card?
Who is SBI Aurum Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: SBI Aurum Credit Card
The SBI Aurum Credit Card is SBI Card’s invitation-only flagship super-premium metal credit card, crafted in weighted matte-black metal to cater to India’s high-net-worth executives, luxury travelers, and avid golfers. Issued across Visa Infinite and Mastercard World Elite networks with an annual fee of ₹9,999 + GST, the renewal fee is 100% reversed upon crossing ₹12,00,000 in qualifying retail spends within the anniversary year.
Aurum’s core distinction lies in its extraordinarily generous lifestyle and entertainment benefits that immediately justify its premium fee: an upfront welcome benefit of 40,000 reward points (worth ₹10,000 in flights or curated catalog merchandise), 4 complimentary movie tickets every calendar month via BookMyShow (up to ₹12,000 annual savings), 48 complimentary golf rounds per year (4 rounds per month), and unrestricted unlimited domestic and international airport lounge access powered by DreamFolks, complete with 4 complimentary international guest visits annually.
Key Privileges and Practical Everyday Benefits
- Precision Black Metal Hardware with 1.99% Forex: A heavyweight metal form factor paired with an industry-competitive 1.99% + GST foreign currency markup fee and an ultra-low finance charge of 1.99% per month (23.88% per annum).
- Unrestricted Unlimited Global Lounge Access:
- Domestic Airport Lounges: Unlimited complimentary visits for the primary cardholder across domestic airport terminals in India.
- International Airport Lounges: Unlimited complimentary visits worldwide via DreamFolks membership, alongside 4 complimentary guest visits per calendar year.
- Premier Entertainment & Cinema Privilege: Enjoy 4 complimentary movie tickets every calendar month on BookMyShow (discount up to ₹250 per ticket, delivering up to ₹1,000 monthly or ₹12,000 annual cinema value).
- Comprehensive Golf Access: 48 complimentary golf rounds or personalized coaching lessons per calendar year (up to 4 rounds per month) across premier golf clubs in India and abroad.
- Curated Luxury Memberships & Milestone Vouchers:
- Complimentary 1-year Club Marriott Asia Pacific membership, Amazon Prime, and Mint + Wall Street Journal digital subscriptions.
- 40,000 Reward Points (worth ₹10,000) credited upon joining fee payment and upon annual renewal.
- Milestone luxury vouchers worth ₹10,000 from Taj Hotels or Tata CLiQ Luxury upon achieving ₹10 Lakhs and ₹15 Lakhs in annual spends.
Important Terms and Spend Conditions to Keep in Mind
- Substantial Fee Reversal Spend Target: Waiving the ₹9,999 annual renewal fee requires spending ₹12,00,000 or more in eligible retail transactions during the previous card anniversary year.
- Moderate Base Reward Rate: General retail spending earns 4 reward points per ₹100 spent (1.0% return at 1 point = ₹0.25), which is modest compared to accelerated reward transfer ratios on competing ultra-premium cards.
- Movie Ticket Cap & Redemption Limits: BookMyShow complimentary tickets are capped at a maximum discount of ₹250 per ticket for up to 4 tickets per calendar month; any excess ticket price and convenience fees are payable by the cardholder.
- Excluded Spend Categories: Fuel purchases, wallet top-ups, rent payments, government utility payments, and cash advance transactions do not earn reward points or count toward milestone thresholds.
- By-Invitation Exclusivity: Applications are by invitation only and require strict internal net-worth or high-limit credit assessment.
Who Benefits Most
- Avid Golfers & Cinema Goers: Affluent professionals who regularly use 4 golf rounds per month and 4 monthly BookMyShow cinema tickets, extracting over ₹24,000 in annual lifestyle value alone.
- High-Frequency Global Travelers: Executives requiring seamless, unlimited domestic and international lounge access with complimentary guest privileges and low 1.99% forex markups.
- Super-HNIs Seeking Concrete Lifestyle Perks: Cardholders who prefer guaranteed luxury hotel memberships, concierge desks, and streaming subscriptions without tracking complex airline award charts.
- SBI Card — Aurum Credit Card schedule of charges
- SBI Card Aurum — Unlimited lounge, BookMyShow, and golf terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).