SBI Card AURUM
SBI's super-premium metal flagship, AURUM delivers a genuinely premium bundle — a 1-year Club Marriott membership, unlimited international lounges via a complimentary DreamFolks membership, 16 domestic visits a year (4 per quarter, add-on cards included), 16 golf rounds and an unusually generous direct free-movie benefit — wrapped around a base reward rate of about 1% (4 reward points per ₹100 at ₹0.25/point; fuel, rent, government and wallet loads are excluded). A milestone voucher ladder (Tata CliQ ₹1,500 at ₹1L/month, Tata CliQ Luxury ₹5,000 at ₹5L, Taj ₹10,000 at ₹10L, Apple ₹20,000 at ₹20L) can lift a high-spender's effective return toward ~3.7%, and a 40,000-point (~₹10,000) welcome benefit offsets much of the ₹9,999 fee (waived at ₹12 lakh). You buy this card for its specific perks, not its everyday earning, which loses cleanly to the HDFC Infinia it is priced against.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹10,000 in vouchers, points or cashback on card activation
1% on Other
4 AURUM Reward Points (ARP) per ₹100 (~1% — SBI publishes 1 ARP = ₹0.25); fuel, rent, government & wallet loads excluded. ARP earned on AURUM never expire. Milestone voucher ladder can lift the effective return toward ~3.7%
️ Airport Lounge Access
16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate — SBI publishes the counts, not a value
Annual Fee Waiver
Fee of ₹9,999 + 18% GST (₹11,799 all-in)/yr fully waived when you spend ₹12,00,000/year
Golf Privileges
16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons
24x7 Concierge
24x7 dedicated concierge for travel, dining and lifestyle requests
Movie Ticket Benefit
Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
OTT Subscription
Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹11,799 |
| Joining fee (incl. 18% GST) | ₹11,799 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 1.99% |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,24,500/yr in total.
concierge
24x7 dedicated concierge for travel, dining and lifestyle requests
hotel membership ~ ₹10,000 /yr
Complimentary 1-year Club Marriott membership (member rates and dining discounts across participating Marriott properties). Our estimate discounts the ~₹14,000 list price for typical use
cobranded ott ~ ₹2,500 /yr
Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
️ lounge access ~ ₹30,000 /yr
16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate — SBI publishes the counts, not a value
golf ~ ₹12,000 /yr
16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons
movie ticket ~ ₹12,000 /yr
Movie tickets worth ₹1,000 every month on BookMyShow — 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
fuel waiver ~ ₹3,000 /yr
1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle per card account
️ insurance ~ ₹2,000 /yr
Air accident cover ₹3.5 crore, travel insurance ₹1 lakh, lost-card and fraud protection ₹10 lakh, and two flight-cancellation refunds a year
milestone bonus ~ ₹5,000 /yr
₹5,000 Tata CLiQ Luxury voucher on ₹5 lakh annual spend
milestone bonus ~ ₹10,000 /yr
₹10,000 Taj voucher on ₹10 lakh annual spend
milestone bonus ~ ₹18,000 /yr
₹1,500 Tata CLiQ voucher for each month you spend ₹1 lakh — ₹18,000 a year at a steady ₹1L a month (₹12L annual). This is the monthly award, not the ₹12 lakh annual-fee reversal
milestone bonus ~ ₹20,000 /yr
₹20,000 Apple voucher on ₹20 lakh annual spend
Milestone ladder
- 1₹5,00,000 a year₹5,000 of value
- 2₹10,00,000 a year₹10,000 of value
- 3₹20,00,000 a year₹20,000 of value
Should you get it?
Best for: SBI HNW banking relationship customer, Marriott guest who will use the Club Marriott member rates, Super-premium card seeker in the SBI ecosystem, India-first HNW traveller who prefers SBI accounts
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Other ( 1% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Metal card with unlimited international lounge access plus 16 domestic visits a year (4 a quarter, add-ons included)
- Complimentary 1-year Club Marriott membership, plus WSJ and Mint digital subscriptions
- 1-year Inflection Point Ventures membership (SBI values it at ₹29,382) — worth something only if you actually invest
- BookMyShow tickets worth ₹1,000 a month, 16 golf rounds and 12 golf lessons a year
- Concierge service for travel bookings and lifestyle management
- SBI's most prestigious card — suitable for high-profile relationship banking customers
✕ Cons
- ₹9,999 annual fee, and the ₹12 lakh spend needed to waive it is a high bar most holders will miss
- HDFC Infinia offers better points value per rupee at a similar fee (the Axis Magnus no longer does after its April 2026 devaluation)
- Club Marriott is most valuable only if you already stay or dine at Marriott properties
- SBI's service infrastructure may not match private bank premium card experience
- SBI's AURUM FAQ page still lists the Taj milestone as ₹8,000 at ₹8 lakh while the product page says ₹10,000 at ₹10 lakh — confirm with SBI before relying on it
Eligibility
SBI publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 AURUM's own rewards portal (rewards.aurumcreditcard.com), not SBI's Shop & Smile: flight & hotel e-gift vouchers, experiences and Nat Geo Expeditions at 1 ARP = ₹0.25
🎁 Points transfer to four partners — Air India Maharaja 5:1, Qatar Privilege Club 5:1, Club ITC 5:1, airasia 4:1 (min 500, in 500s). All four return less than the ₹0.25 the points are already worth, so transferring loses value
🎁 Milestone vouchers from Tata CLiQ Luxury, Apple and Taj on hitting spend thresholds
🎁 No ₹99 redemption fee (waived on AURUM; it applies to every other SBI card)
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
Airline / hotel transfer (co-brands & AURUM) Only four SBI cards can transfer Reward Points at all. The two Air India co-brands reach Air India alone, at 1:1 (⇒ ₹1/pt — the only SBI Reward Point route that beats cash). AURUM reaches four partners through its own portal — Air India 5:1, Qatar 5:1, Club ITC 5:1, airasia 4:1 — and EVERY ONE OF THEM LOSES MONEY: at 5:1 an Aurum point is worth ₹0.20 against the ₹0.25 SBI itself publishes for it, and the airasia route is ₹0.05. AURUM earns plain SBI Reward Points despite the 'AURUM Reward Points / ARP' branding: SBI's own T&C says points carry forward UNCONVERTED on upgrade to Aurum, keeping the old card's expiry, which no separate currency could do. Do not confuse any of this with SBI Card MILES, which earns Travel Credits — a genuinely different currency with 25 partners, and which reaches Club ITC at 2:1 where Aurum gets 5:1.
✈ Transfer partners ✈ Air India Maharaja Club ( 5:1 ) ✈ Qatar Airways Privilege Club (Avios) ( 5:1 ) 🏨 Club ITC ( 5:1 ) ✈ airasia rewards ( 4:1 ) Value your balance: SBI Reward Points ✈ Air India Maharaja Club ( 5:1 ) ₹ 2,000 ✈ Qatar Airways Privilege Club (Avios) ( 5:1 ) ₹ 2,000 🏨 Club ITC ( 5:1 ) ₹ 2,000 ✈ airasia rewards ( 4:1 ) ₹ 500 vs. typical redemption ₹ 2,500 Direct transfers from this card only, ranked by what a point is worth in the destination programme . Full calculator, every currency → The concern The everyday earn is only ~1% (and excludes fuel/rent/government/wallet), so the value depends on the lounges, the memberships and climbing the milestone voucher ladder — rivals out-earn it on raw spend.
The bottom line
SBI Card AURUM is built around premium lifestyle privileges: unlimited international lounge visits, 16 domestic lounge accesses, complimentary golf, Club Marriott status, and regular movie perks combine to create a comprehensive luxury package. While heavy spending can push overall returns toward ~3.7% via the milestone ladder, its base reward rate of ~1% trails rival cards in the ₹10,000 fee bracket like the HDFC Infinia. AURUM is best evaluated on its tangible perks and milestone rewards rather than routine transactional earning.
Sources & verification
Fees, reward rates, and benefits for the SBI Card AURUM are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 14 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · 7 changes · last change Apr 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Redemption Effective 1 Apr 2026
Statement-credit redemption capped
Uncapped, any amount → ≤60,000 pts/month, in 4,000-pt multiples
From 1 April 2026 SBI Card capped reward-point statement-credit redemption at 60,000 points (~₹15,000) per month and only in multiples of 4,000 points, reducing flexibility for AURUM holders.
Verification: SBI Card ↗ · Confidence: High
2025 1 change — 1 cut
▼ Fee Effective 1 Nov 2025
Fee & charge revision (wallet-load fee added)
SBI Card's portfolio-wide fee revision added a 1% fee on wallet loads above ₹1,000 (plus higher cash-payment, cheque, dishonour and cash-withdrawal charges), applying to AURUM alongside a ₹1,500 card-replacement fee.
Verification: SBI Card ↗ · Confidence: High
2024 2 changes — 2 cuts
▼ Reward Effective 1 Jun 2024
Government spends made reward-ineligible
Reward points earned → No reward points
Government-category transactions (MCC 9399 and 9311) became ineligible for reward points on AURUM from 1 June 2024, narrowing the base earn further after fuel, rent and wallet exclusions. SBI names AURUM explicitly in the card list attached to its reward-point FAQ.
Verification: SBI Card ↗ · Confidence: High
▼ Reward Effective 1 Apr 2024
Reward points removed on rent payments
Reward points earned → No reward points
SBI Card stopped awarding reward points on rent / MCC-6513 transactions across its portfolio, including AURUM, effective 1 April 2024 (15 April for co-brand cards).
Verification: SBI Card ↗ · Confidence: High
2023 1 change — 1 cut
▼ Benefit Effective 31 Aug 2023
Amazon Prime & Discovery+ dropped
Amazon Prime + Discovery+ → Club Marriott + Mint + WSJ (new joiners)
Complimentary Amazon Prime and Discovery+ memberships were withdrawn from AURUM; new joiners (from mid-Aug 2023) instead received Club Marriott and digital Mint / Wall Street Journal subscriptions.
Verification: CardAdvisor Research · Confidence: Reconstructed
2022 1 change — 1 cut
▼ Benefit Effective 2 Jul 2022
Zomato Pro membership withdrawn
The complimentary Zomato Pro dining membership was dropped as a first-year AURUM benefit, the card's first documented devaluation.
Verification: CardAdvisor Research · Confidence: Reconstructed
2021 1 change — 1 neutral
◆ Launch Effective 3 Feb 2021
AURUM launched as SBI's super-premium metal card
SBI Card entered the super-premium segment with the tungsten-metal AURUM, replacing ELITE at the top of its range — ₹9,999 + GST fee, a 40,000 reward-point (~₹10,000) welcome benefit, unlimited international lounges and monthly BookMyShow movie tickets. Note: several 2021 write-ups also credited the launch card with a Taj Epicure membership. SBI has never published one on any AURUM page, and our own 2023 event shows the membership slot held Amazon Prime and Discovery+ until mid-2023, so we do not carry that claim.
Verification: CardAdvisor Research · Confidence: Reconstructed
↓ Show all 7 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
Source: SBI Card AURUM value timeline — CardAdvisor
“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
HTML (with link) Plain text Copy
Source: SBI Card AURUM value timeline , CardAdvisor (CC BY 4.0).
Find your best card
Answer 5 questions. Get a personalised shortlist with ₹ value estimates.
Find my card →
Quick summary
Type Super Premium credit card
Reward rate 1%
Best for SBI HNW banking relationship customer
Joining fee ₹9,999
Annual fee ₹9,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 14 Aug 2026
How we research →
Useful links
Rewards calculator
Estimate any card’s annual value
Points valuations
What each point is really worth
Latest card changes
Live fee & reward-rate tracker
Market insights
The Indian card landscape
Card data study 2026
280 cards analysed — August 2026
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.