SBI Aurum Credit Card Review

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If you are planning to have the SBI Aurum Credit Card then in this post we are to review SBI Aurum Credit Card.

With the launch of SBI AURUM Credit Card SBI has entered into Elite Credit cards Club. AURUM Credit Card is in Direct Competition with ICICI Bank Emeralde, HDFC Infinia, and American Express Platinum Credit Card.

SBI Aurum Credit Card Review

This is one of the most Premium Credit Cards with multiple Rewards Points and many complimentary subscriptions of most premium services including Amazon Prime, Tatacliq, BBStar, Discovery plus and many others.

This Card is not only premium for its features but also by its design. It is designed with a metallic black body with golden dotted stripes.

SBI Aurum Credit Card Review

Key features and benefit

  • Reward Points of 40,000 as welcome Benefit.
  • Waive off of renewal fee on the spend of Rs. 12,00,000.
  • Voucher worth Rs. 1,500 of Tatacliq on the spend of Rs. 1 lakh.
  • Rs. 5,000 worth luxe voucher on the expenditure of Rs. 5lakh
  • Membership of Zomato pro, Amazon Prime, Discovery plus, Lenskart, BBstar for 6 months.
  • Unlimited international Lounge access and access to domestic airport lounges 4 times a quarter.

Welcome Benefits

  • As a Welcome gift you get 40,000 Reward Points.
  • Complimentary membership of Zomato Pro, Eazydiner, Amazon prime, Lenskart Gold, And BBStar for 6 months.
  • Complimentary Membership of Eazydiner and Zomato Pro.
  • You get 4 movie tickets from bookmyshow every month. ( Max Rs.250 per month)
  • 4 Complimentary access to Domestic lounges every quarter.
  • Unlimited International Lounge access to AURUM Card holders.

Reward and Redemption

  • 4 Reward Points on every spend of Rs. 100.
  • Reward rate is =1%
  • Rs. 10,000 voucher on annual expenditure of Rs. 10 lakh
  • Rs. 5,000 worth Luxe voucher on the spend of Rs. 5 lakh annually.
  • On monthly expenditure of Rs. 1 lakh you get Rs. 1,500 worth Tatacliq voucher.

Fees and Charges

  • Joining Fee : Rs. 10,000+Taxes.
  • Annual Fee: Rs.10,000+taxes.
  • Foreign Currency Mark fee: 1,99% on the transaction of Rs. 1,000.
  • Annual Membership fee  can be waived off, if annual expenditure crosses Rs. 12,00,000 mark.
  • Interest on finance: 3,5% monthly (42% Annum).
  • Cash Advance Charge: 2.50% of the withdrawn amount.

Who Is The Suitable Customer?

SBI AURUM Credit Card offers a large variety of premium benefits. This Card covers almost every field to give its User an Elite experience.

The Card provides unlimited International lounge access and Discount on Dining with Eazydiners which brings it in the club of Elite Cards like HDFC Infinia, ICICI Emeralde and many other elite Cards,

The premium Membership of Amazon Prime, Zomato pro, Luxe, Taj And Tatacliq makes it suitable for those who travel and shop a lot.

Those who expect premium services and Rewards from their Card can go for it.


SBI AURUM Credit Card comes with huge benefits and rewards. Its Elite nature and Metallic design makes it a status symbol for its users. There is not a field which it doesn’t cover from Lounge access to Dining. Vouchers on Tatacliq to Luxe.

Welcome benefits and milestone benefits are something to vouch for but one thing should keep in mind that Card charges are pretty high. From Joining fee to annual fee and waiver of renewal fee target is actually highest among all the cards Rs. 12,00,000 .

This Card comes with huge Rewards and Benefits  but fees and Charges are also very high which is not suitable for the average customer or those who do not travel overseas or don’t want premium membership. So before you make up your mind, check and compare other competitor Cards.

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Mohit Sharma

Reading is my soul and writing is breathing. Reading, writing and it revolves so i can survive. I spend most of time reading and learning about technology. And by blogging my goal is to share my knowledge with others