INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: Mastercard World Elite / Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

SBI Card AURUM

एसबीआई कार्ड औरम

Exclusive invite-only metal super-premium card offering unlimited international lounges with guest visits, 40,000 welcome points, and 1.99% forex markup.

Annual Fee₹9,999 + GST (Renewal: ₹9,999 + GST)

Reward Rate4 AURUM Reward Points per ₹100 spent on all retail transactions. No upper caps on point accrual.

Airport LoungeUnlimited complimentary international airport lounge access for primary cardholder + 4 complimentary guest visits per year via DreamFolks membership. 4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year) with complimentary access extended to add-on cardholders.

Forex Markup1.99% low foreign currency markup fee on international transactions.

What Is This Card

SBI Card AURUM is SBI's most exclusive, invite-only super-premium credit card forged in metal. Geared toward C-suite executives, ultra-high-net-worth individuals (UHNIs), and global globetrotters, it provides unlimited international airport lounge access with guest privileges, dedicated 24/7 concierge, and a low 1.99% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹9,999 + GST (Renewal: ₹9,999 + GST)

Fee Waiver: Spend ₹12,00,000 or more in the preceding membership year to get the annual renewal fee of ₹9,999 reversed.

🎁Welcome Benefit

40,000 AURUM Reward Points (worth ₹10,000) credited upon joining fee payment, plus a handcrafted matte black metal card.

⚡Reward Points Structure

4 AURUM Reward Points per ₹100 spent on all retail transactions. No upper caps on point accrual.

Redemption Value: 1 AURUM Reward Point = ₹0.25 (4 points = ₹1.00). Points can be redeemed for international flights, luxury hotel stays, or high-end lifestyle catalogs.

🛫Airport & Railway Lounge Access

Unlimited complimentary international airport lounge access for primary cardholder + 4 complimentary guest visits per year via DreamFolks membership. 4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year) with complimentary access extended to add-on cardholders.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹3.50 Crores. Lost Card Liability cover up to ₹10 Lakhs. Baggage delay/loss cover up to ₹50,000.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Complimentary 1-year subscriptions to Club Marriott, Mint, The Wall Street Journal, Amazon Prime, and BookMyShow (up to 4 free movie tickets per month worth ₹1,000 total). ₹10,000 luxury voucher on reaching ₹15 Lakh annual spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Strictly invite-only; cannot be applied for off-the-shelf without invitation or private wealth sponsorship. High annual spend requirement of ₹12 Lakhs for fee waiver. Foreign exchange markup of 1.99% still applies (not zero forex).

Forex Markup Fee1.99% low foreign currency markup fee on international transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 2.75% per month interest.

Finance Charges (Interest)Preferential super-premium rate: 2.75% per month (33.00% per annum) — significantly lower than standard commercial cards.

Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryAURUM Reward Points never expire as long as the card account remains active.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, and government transactions.

Eligibility Criteria

Strictly by invitation only. Ultra-high-net-worth individuals, business founders, and corporate leaders with annual income exceeding ₹30 Lakhs.

Age Requirement25 to 70 Years

Minimum Income₹30,00,000+ per annum (Invite-only / Wealth Relationship)

CIBIL Score NotePristine CIBIL score of 780+ required.

SBI RelationshipSBI Wealth Banking relationship or direct invitation from SBI Card leadership.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit aurumcreditcard.com or access invitation link via SBI YONO Wealth.

2Authenticate invitation code and check wealth tier eligibility (soft pull without CIBIL impact).

3Fill private digital application form with executive credentials (takes 5–10 minutes).

4Upload Aadhaar, PAN, and executive income/wealth documentation.

5Complete priority white-glove Video KYC verification.

6Handcrafted metal card dispatched via secure courier within 5–7 working days; activate via Aurum App.

Branch Application for Offline Applicants

Available exclusively through SBI Private Wealth Hubs.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Proof of Identity & Residence (Passport, Aadhaar)

3. Income Proof: Form 16 showing ₹30L+ salary OR Last 3 years' audited business ITR with wealth balance sheet.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on SBI Card AURUM?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Preferential super-premium rate: 2.75% per month (33.00% per annum) — significantly lower than standard commercial cards. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on SBI Card AURUM into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on SBI Card AURUM?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 AURUM Reward Point = ₹0.25 (4 points = ₹1.00). Points can be redeemed for international flights, luxury hotel stays, or high-end lifestyle catalogs. Please note: AURUM Reward Points never expire as long as the card account remains active.

What is the interest-free grace period on SBI Card AURUM and how does it work?

The interest-free period on SBI Card AURUM is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Preferential super-premium rate: 2.75% per month (33.00% per annum) — significantly lower than standard commercial cards.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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