SBI Aurum Credit Card

SBI Aurum credit card is a super premium credit card that offers luxurious features and benefits to complement the lifestyle of high-net-worth individuals.

Some of the most attractive Aurum credit card benefits include complimentary memberships to Club Marriott, Inflection Point Venture, Dream Folks, and 1-year digital subscriptions to The Wall Street Journal and Mint.

As a welcome benefit, you get 40,000 AURUM Reward Points on payment of the joining fee. For frequent flyers, the card offers unlimited complimentary access to 1000+ international airport lounges and 4 complimentary visits to domestic airport lounges per quarter. According to the online SBI Aurum credit card review, it is a decent approach by SBI to explore the super premium credit card segment.

Below are the key highlights of the Aurum SBI card:

The following are the SBI Aurum credit card benefits in detail:

Welcome Benefits

• 40,000 AURUM Reward Points (ARP) (equivalent to Rs. 10,000) on payment of the joining fee.
• Complimentary 1-year Club Marriott Membership.
• Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint.
• Complimentary 1-year membership to the Inflection Point Venture(IPV), worth Rs. 29,382.

Reward Points

• 4 ARP on every Rs. 100 non-fuel spend.
• 1 ARP = ₹ 0.25

Dining Benefit

• 15% instant discount on District (dining) with AURUM Credit Card.

Complimentary Lounge Access

• With a complimentary DreamFolks Membership, enjoy unlimited complimentary access to 1000+ international airport lounges and a complimentary guest visit per quarter.
• 4 complimentary visits to domestic airport lounges per quarter (applicable for add-on cardholders as well).

Golf Benefits

• 16 complimentary golf rounds per calendar year (4 per quarter).
• 12 complimentary golf lessons per calendar year.

Movie Offer

• 4 movie tickets worth Rs. 1,000 every month on bookmyshow.com.
• 2 free tickets per booking.
• The maximum discount available is Rs. 500 per booking (Rs. 250 per ticket).
• A minimum 24-hour gap is required between 2 bookings.
• Convenience fee (as applicable) is charged.

Milestone Benefits

• Rs. 30,000 Apple voucher on reaching annual spends of Rs. 20 Lakhs.
• Annual fee reversal on reaching annual spends of Rs. 12 Lakhs.
• TAJ Experiences voucher worth Rs. 10,000 on reaching annual spends of Rs. 10 Lakhs.
• TATACLliQ Luxury voucher worth Rs. 5,000 on reaching annual spends of Rs. 5 Lakhs.
• TATACLliQ Fashion voucher worth Rs. 1,500 on reaching monthly spends of Rs. 1 Lakh.

Fuel Benefit

• 1% fuel surcharge waiver across all petrol pumps in India. 
• Valid on transactions between Rs. 500 and Rs. 4,000, exclusive of GST & other charges. 
• The maximum surcharge waiver available is Rs. 250 per statement cycle, per credit card account.

Insurance Benefit

• Travel insurance coverage of Rs. 1 Lakh for flight delay & loss of goods/ baggage during travel.
• Air accidental death coverage of Rs. 3.50 Crores.
• 2 flight cancellation refunds (both for refundable & non-refundable tickets) per year from any airline.
• Lost card & fraud protection coverage of Rs. 10 Lakhs. 

Other Benefits

• Low forex mark-up of 1.99% on international transactions.
• 1 complimentary Spa access at select airports within India every quarter. 
• Top quality concierge assistance for flight bookings, hotel reservations, and more.
• With AURUM FlexiPay EMI, convert your transactions of Rs. 2500 or above into EMIs within 30 days of purchase.
• Add-on cards for your parents, spouse, children or siblings aged above 18 years.

Below are the SBI Aurum credit card eligibility criteria:

• Citizenship: Indian resident high-net-worth individuals.
• Minimum age to apply: 21 years for salaried and 25 years for self-employed.
• Income: Minimum gross income of Rs. 40 Lakhs and above. 
• Credit score: A high credit score of typically 750 or above.
• Invitation: This is primarily an invite-only card, though you can express interest through SBI Card net banking. The applicant with an existing credit card with a high limit (usually above Rs. 5 Lakh) can have better approval chances.

SBI Aurum Credit Card is an invite-only premium credit card. However, if you meet the eligibility criteria, you can express your interest on the official portal of AURUM Credit Card or SBI netbanking.

The card is designed for high-net-worth individuals only, typically requiring an annual income of Rs. 40 Lakhs or an existing high-limit card. 

The main documents required to apply for the Aurum SBI credit card are as follows:

• Identity proof: PAN Card/ Aadhaar Card/ Passport/ Voter ID Card/ Driving License (any one).
• Address proof: Aadhaar Card/ Passport/ Voter ID Card/ Driving License/ Recent Utility Bills of not older than 2 months (any one).
• Income proof for salaried: Latest Salary Slips of last 3 months, Form 16, and Bank Statements.
• Income proof for self-employed): Income Tax Returns and Bank Statements.
• Other documents: Passport-sized photographs and a completed application form.

For more information about the document checklist, you may contact the Aurum SBI credit card customer care team at 1860 500 2000.

Pros:

• This is one of the best SBI lounge access credit cards, offering unlimited complimentary access to 1000+ international airport lounges and 4 complimentary visits to domestic airport lounges per quarter.
• The card offers a low forex markup of 1.99%.
• This super-premium card offers high-end luxury benefits.
• The card offers many complimentary memberships like a 1-year Club Marriott Membership, 1-year digital subscriptions to The Wall Street Journal and Mint, and a 1-year membership to the Inflection Point Venture(IPV), worth Rs. 29,382.

Cons:

• Unlike SBI lifetime free credit cards, this card comes with a high joining annual fee of Rs. 9,999.
• The card is an invite-only credit card.
• Only high-net-worth individuals can access this card.
• If you are looking for a best cash back credit card or rewards credit card, or even the best Rupay credit card, you may opt for other SBI credit cards.
• To get an annual fee reversal, you will have to achieve a high annual spend of Rs. 12 Lakhs.