Luxury in Your Wallet: Inside the World of SBI Aurum Credit Card

In today's blog, we will give you the information about SBI Aurum Credit Cards based on their welcome rewards, cashback rate, and more.

The SBI Aurum Credit Card is a super-premium, it is an invitation credit card offered by SBI Card, designed exclusively for high-net-worth individuals in India. Ranked at the top of SBI's credit card portfolio, Aurum combines luxury, exclusivity, and high-end lifestyle privileges. It features a metal card design and comes with elite benefits, including unlimited international airport lounge access, luxury hotel perks, golf privileges, premium concierge services, spa access, and substantial milestone rewards. Those who travel across the world can take full advantage, access to luxury hotels, and after travel, user can enjoy their spa services.

The card is designed for frequent travelers, big spenders, and lifestyle passionate. Aurum not only delivers expertise but also provides strong long-term value for those spending over INR 12 lakh annually. It has relatively low forex markup, and generous milestone vouchers make it more manageable and eventually raise the demand in the market. Aurum positions itself as a worthy competitor to ultra-premium offerings from HDFC, Axis, and AmEx, but with the distinct edge of simplicity and global accessibility.

What Are The Welcome Benefits of SBI Aurum Credit Card?

• Welcome Benefits: Users get 40,000 AURUM Reward Points, equivalent of INR 10,000 on payment of the annual fee. Free 1-year Club Marriott membership. Free 1-year digital subscriptions to The Wall Street Journal and Mint. Free 1-year membership to Inflection Point Venture Angel Investment Network. 

What Are The Milestone Benefits of SBI Aurum Credit Card?

• 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 lakh in a month.

What Is The Cashback Rate Of SBI Aurum Credit Card?

• Reward System: 4 reward points on spending INR 100. Value of 1 point = INR 0.25. The effective cashback rate is 1%.

  
  

What Are The Pros And Cons Of SBI Aurum Credit Card?

Pros:

Exclusive Invite-Only Status

• Adds prestige and uniqueness; not everyone can apply it’s reserved for high-net-worth individuals.

Unlimited International Lounge Access

• Comes with DreamFolks membership, allowing unlimited international lounge visits plus one guest per quarter, great for frequent flyers.

• DreamFolks is like a VIP pass for airports, giving you access to comfortable airport lounges where you can relax, enjoy free snacks and drinks, use Wi-Fi, and escape the busy airport crowds. This is a complimentary benefit of this card. DreamFolks is a company that quietly makes travel feel a little more luxurious. Most people don’t realize it, but when you swipe your credit card to get into an airport lounge, there’s often a service provider working behind the scenes, and DreamFolks is one of the biggest names in that space. The company brands get in partnership with banks, credit card companies, and travel brands to offer seamless benefits and access to lounge, spa, and more.

• Users can book easily through DreamFolks, instead of booking or paying separately, DreamFolks integrates these experiences into the benefits that come with your credit or debit card. So when someone uses a premium card and walks into a lounge or gets a discount on airport dining, it’s usually powered by DreamFolks in the background. 

Low Forex Markup (1.99%)

• Lower than the standard 3.5% charged by most cards, making it ideal for international transactions.

Premium Lifestyle Benefits

• Includes spa access at airports, BookMyShow movie tickets (4/month), golf access, and concierge services.

Metal Card Design

• High-end look and feel; enhances premium user experience.

Cons:

Invite-Only Restriction

• Not open to general applicants limits access even for willing, eligible customers.

High Annual Fee

• INR 9,999 + GST is steep if you don’t utilize all the features or miss the fee waiver threshold.

Average Reward Rate (~1%)

• Base rewards aren’t as lucrative; several cards in this price range offer 2%–3% returns.

Milestone Rewards Are Voucher-Based

• Many benefits are in the form of brand-specific vouchers (e.g., Tata Cliq, Taj, Apple), which may not suit all users.

Limited Domestic Lounge Access

• Only 4 domestic lounge visits per quarter; less generous than some competitors offering unlimited domestic access.

Fees And Charges:

• Joining Fees: INR 9999+ Taxes.

• Annual Fees: INR 9999+ Taxes.

• 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: 3.75% per month 45% per annum

• Late Payment Fees: 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. 

  
  

Visa Infinite:

The SBI Aurum Credit Card is not your everyday credit card. It’s meant for a very specific group of people, those who live life on a different level, with high spending power and expectations to match. That’s why this card is not available to the general public. It’s offered by invitation only, which already sets it apart. But what truly shows how exclusive this card is, is the platform it runs on. You’ll only find the Aurum Card on Visa Infinite and a rare high-end Mastercard version.

Why only these two? Because they are the very best of what the card networks offer. Visa Infinite, for example, is Visa’s top tier. It comes above Visa Signature or Visa Platinum, and it brings with it a completely different class of benefits. These include unlimited access to airport lounges worldwide, personal concierge support anytime you need it, top-tier travel insurance, and access to exclusive events and hotel privileges. This isn’t about coupons or cashback. It’s about offering a luxury experience, one that matches the lifestyle of the person holding the card.

SBI could have offered Aurum on other, more common networks, but that would have taken away from its prestige. Lower-tier cards just don’t provide the same level of global recognition or benefits. The kind of customer who qualifies for Aurum is likely someone who travels often, stays at luxury hotels, dines at fine restaurants, and expects things to be smooth and hassle-free, whether they’re spending in Mumbai or Milan.

There is a huge business reason behind their choice. By keeping this card on top platforms like Visa Infinite, SBI strengthens its premium brand image. It also allows them to create a product that can hold its ground against other high-end cards in the market, like HDFC Infinia or Axis Reserve. These cards are not only cards, they are part of our lives to get the luxury and basic needs.

Also, the choice to limit the network helps maintain the exclusivity of this card. When something isn’t available to everyone, it naturally becomes more desirable. That’s part of what makes the Aurum stand out, not just the black-and-gold design or the invite-only status, but the thought that has gone into crafting every aspect of it, including the network.

At the end of the day, the Aurum card is not just about spending, it’s about experience. It’s about walking into an airport lounge without showing anything more than your card. It’s about knowing there’s someone to assist you anytime, anywhere. And it’s about holding a card that quietly speaks of your success without saying a word. That’s why it runs only on networks that can match that promise. 

Eligibility:

• Minimum Age: 21 years (Salaried), 25 years (Self-employed)

• Annual Income: 40 Lakhs and above (Gross income)

 Conclusion:

The SBI Aurum Credit Card is a premium card that is especially made for individuals who can spend high on a monthly basis. It stands out for its unlimited international lounge access, luxury lifestyle privileges, milestone benefits based on voucher rewards, and low foreign currency markup. For those who travel across the world can take full advantage, access to luxury hotels, and after travel, user can enjoy their spa services.

However, the high annual fee and average reward rate make it best for those who consistently spend over INR 12 lakh annually to unlock the best value and fee waiver benefits. If you are a frequent traveler, you can enjoy luxury services like airport spas and concierge assistance, and regularly use premium platforms like Taj or Tata Cliq. This card can be an excellent fit for high-end spenders. 

Overall, the SBI Aurum Credit Card is best suited for those who can fully utilize its elite privileges and consistently maintain high annual spending, making it a perfect fit for premium users who value luxury, convenience, and brand exclusivity.

If you want to know the unbiased AI score of SBI Aurum Credit Card, read their detailed review. Click here