Welcome Benefits: Users get 40,000 AURUM Reward Points equivalent of INR 10,000 on payment of annual fee. Free 1-year Club Marriott membership. Free 1 year digital subscriptions to The Wall Street Journal and Mint. Free1-year membership to Inflection Point Venture Angel Investment Network.
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Aurum Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users get 40,000 AURUM Reward Points equivalent of INR 10,000 on payment of annual fee. Free 1-year Club Marriott membership. Free 1 year digital subscriptions to The Wall Street Journal and Mint. Free1-year membership to Inflection Point Venture Angel Investment Network.
Milestone Benefits
Milestone Benefits: INR 20,000 Apple voucher on spending INR 20 Lakhs in a year. Annual fee reversal on spending INR 12 Lakhs. INR 10,000 Taj voucher on spending INR 20 Lakhs in a year. INR 5,000 Tata Cliq voucher on spending INR 5 Lakhs in a year. INR 1,500 Tata Cliq voucher on spending INR 1 Lakhs in a month.
Cashback Rate
Reward System: 4 reward points on spending INR 100. Value of 1 point = INR 0.25. Effective cashback rate 1%.
Movie Benefits
Free 4 movie tickets worth INR 1,000 every month on bookmyshow.com (maximum discount of INR 500 per booking (INR 250 per ticket)).
Dining Benefits
None.
Other Benefits
Free Dreamfolk membership through which user can access unlimited times 1000+ International airport lounges, along with complimentary visit, once a quarter, for a guest.
Low forex markup of 1.99%
1 complimentary access to domestic spa access at select airports once every quarter.
16 free golf rounds per calendar year.
12 free golf lessons per calendar year.
Free 4 movie tickets worth INR 1,000 every month on bookmyshow.com (maximum discount of INR 500 per booking (INR 250 per ticket)).
Free 24x7 concierge.
Air accidental death coverage of INR 3.50 Crore.
Two flight cancellation refunds per year from any airlines (both for refundable and Non-Refundable tickets).
Lost Card & Fraud Protection coverage of INR 10 Lakhs.
Travel insurance coverage of INR 1 Lakh for flight delay and loss of goods or baggage during travel.
Lounge Access
Free Dreamfolk membership through which user can access unlimited times 1000+ International airport lounges, along with complimentary visit, once a quarter, for a guest.
Low forex markup of 1.99%
4 free domestic airport lounge visits per quarter.
1 complimentary access to domestic spa access at select airports once every quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users get 40,000 AURUM Reward Points equivalent of INR 10,000 on payment of annual fee. Free 1-year Club Marriott membership. Free 1 year digital subscriptions to The Wall Street Journal and Mint. Free1-year membership to Inflection Point Venture Angel Investment Network.
Milestone Benefits
Milestone Benefits: INR 20,000 Apple voucher on spending INR 20 Lakhs in a year. Annual fee reversal on spending INR 12 Lakhs. INR 10,000 Taj voucher on spending INR 20 Lakhs in a year. INR 5,000 Tata Cliq voucher on spending INR 5 Lakhs in a year. INR 1,500 Tata Cliq voucher on spending INR 1 Lakhs in a month.
Cashback Rate
Reward System: 4 reward points on spending INR 100. Value of 1 point = INR 0.25. Effective cashback rate 1%.
Movie Benefits
Free 4 movie tickets worth INR 1,000 every month on bookmyshow.com (maximum discount of INR 500 per booking (INR 250 per ticket)).
Dining Benefits
None.
Other Benefits
Free Dreamfolk membership through which user can access unlimited times 1000+ International airport lounges, along with complimentary visit, once a quarter, for a guest.
Low forex markup of 1.99%
1 complimentary access to domestic spa access at select airports once every quarter.
16 free golf rounds per calendar year.
12 free golf lessons per calendar year.
Free 4 movie tickets worth INR 1,000 every month on bookmyshow.com (maximum discount of INR 500 per booking (INR 250 per ticket)).
Free 24x7 concierge.
Air accidental death coverage of INR 3.50 Crore.
Two flight cancellation refunds per year from any airlines (both for refundable and Non-Refundable tickets).
Lost Card & Fraud Protection coverage of INR 10 Lakhs.
Travel insurance coverage of INR 1 Lakh for flight delay and loss of goods or baggage during travel.
Lounge Access
Free Dreamfolk membership through which user can access unlimited times 1000+ International airport lounges, along with complimentary visit, once a quarter, for a guest.
Low forex markup of 1.99%
4 free domestic airport lounge visits per quarter.
1 complimentary access to domestic spa access at select airports once every quarter.
Fees & Charges of
Aurum Credit Card
Joining Fee
Joining Fee (one time): INR 9999+ Taxes.
Annual Fee
Renewal Fee (per annum): INR 9999+ Taxes.
Cash Advance Fee
Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.
Interest rate
Interest Rate: 3.75% per month 45% per annum
Late Payment Fee
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Foreign Currency Transactions Fee
Forex Markup: 1.99%
Other Fees
Reward Redemption Fees: INR 99/- per redemption.
Joining Fee
Joining Fee (one time): INR 9999+ Taxes.
Annual Fee
Renewal Fee (per annum): INR 9999+ Taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.75% per month 45% per annum
Late Payment Fee
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Foreign Currency Transactions Fee
Forex Markup: 1.99%
Other Fees
Reward Redemption Fees: INR 99/- per redemption.
Fee and Charges of
Aurum Credit Card
Special Features
Milestone Benefits: INR 20,000 Apple voucher on spending INR 20 Lakhs in a year. Annual fee reversal on spending INR 12 Lakhs. INR 10,000 Taj voucher on spending INR 20 Lakhs in a year. INR 5,000 Tata Cliq voucher on spending INR 5 Lakhs in a year. INR 1,500 Tata Cliq voucher on spending INR 1 Lakhs in a month.
Eligibility Criteria
Minimum Age: 21 years (Salaried), 25 years (Self-employed)
Annual Income: 40 Lakhs and above (Gross income)
Speical Feature, Eligibility and Benefits of
Aurum Credit Card
How to apply for Credit Card?
Go to SBI Card website.
Next to the SBI Prime Credit Card, click the "Apply Now" button.
Fill out the online application form with information about yourself, your pay, and where you work.
Upload the needed files, like your PAN card, proof of address, and proof of income.
Send in the form of application.
What paperwork is needed:
PAN card
Proof of address (like an Aadhaar card, driver's licence, voter ID card, etc.)
Proof of income (most recent pay stubs, Form 16, copy of tax return, etc.)
Passport size photographs.
SBI will handle your application within 7–10 business days after you send it in. The result will be sent to you by email or text message.
Here are some more tips on how to apply for the SBI Prime Credit Card:
Before you apply, make sure you meet the requirements. You must be at least 18 years old and have a steady way to make money.
Check your credit score ahead of time. If you have good credit, your chances of getting approved will go up.
Before you apply for the card, make sure you read the terms and conditions first.
Contact Details
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
Account Opening and Procedure of
Aurum Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The card provides a number of benefits, such as golf lessons, unlimited lounge visits, etc. However, because of the low cashback rate this card has limited appeal.
The card provides a number of benefits, such as golf lessons, unlimited lounge visits, etc. However, because of the low cashback rate this card has limited appeal.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai