SBI Aurum Credit Card
SBI Card
Annual Fee
₹9,999
Joining Fee
₹9,999 + GST
Base Reward
1% points
Foreign Markup
1.99% of the transaction amount
Fee Waiver
Annual membership fee waived off on annual spends of ₹12,00,000
Interest Rate
3.75% per month (45% per annum)
Welcome Benefits
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
Product Highlights
- 40,000 Reward Points as a Welcome Benefit
- Complimentary memberships of Club Marriott, Wall Street Journal, and Mint
Rewards
Earn 4 Reward Points per ₹100 spent. Redeem points for gift vouchers, hotel reservations, flight tickets, etc.
Redemption
4 Reward Points = ₹1
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
entertainment | 1%(4 Reward Points per ₹100 spent) | No cap |
travel | 1%(4 Reward Points per ₹100 spent) | No cap |
dining | 1%(4 Reward Points per ₹100 spent) | No cap |
shopping | 1%(4 Reward Points per ₹100 spent) | No cap |
Benefits & Features
Domestic: 4 Free Visits Each Quarter (For Both Primary and Add-On Cardholders) International: Unlimited International Airport Lounge Access (Complimentary membership of the Dreamfolks airport lounge program) One complimentary guest visit each quarter is also offered.
Fees & Charges
Eligibility
Min Age
21 years
Min Income (Salaried)
₹40,00,000
Available Networks
Pros & Cons
Pros
- 40,000 Reward Points as a welcome benefit
- Tata CLiQ Luxury vouchers worth ₹5,000 on achieving the milestone benefit
Cons
- Basic reward rate of 1%
- Earlier subscriptions like Amazon Prime and Zomato Gold discontinued
Additional Info
Invite-only card
Requires excellent credit score and strong relationship with the card issuer
Max cap of ₹250 per movie ticket for BookMyShow.