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SBI Card AURUM
SBI Card AURUM is SBI's invite-only, super-premium flagship, built for ultra-high-net-worth cardholders who want unlimited international lounge access and a stack of genuinely high-value memberships — Club Marriott, Inflection Point Ventures, and WSJ/Mint subscriptions among them. The steep ₹9,999 fee needs a demanding ₹12 lakh of annual spend to waive, and access is largely invite-only or tied to holding an existing high-limit SBI card, positioning it well outside the reach of most applicants.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 4 movie tickets worth ₹1,000 each per month via BookMyShow, one of the richest entertainment benefits among SBI's cards
- Rewards rate: 1% base rate
- Travel: Complimentary 1-year Club Marriott membership, Wall Street Journal and Mint digital subscriptions, and an Inflection Point Ventures (IPV) angel-investing membership worth approximately ₹29,382
- Domestic lounge access: Unlimited complimentary access to 1,000+ international airport lounges worldwide, plus 4 complimentary domestic lounge visits per quarter
- International lounge access: Unlimited complimentary access to 1,000+ international airport lounges worldwide, plus 4 complimentary domestic lounge visits per quarter
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- ✈️ Travel
1% reward rate · Unlimited complimentary access to 1,000+ international airport lounges worldwide, plus 4 complimentary domestic lounge visits per quarter
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹3,30,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹12,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 1.99%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 40,000 bonus reward points, worth roughly ₹10,000, credited on card activation
- Unlimited complimentary access to 1,000+ international airport lounges worldwide, plus 4 complimentary domestic lounge visits per quarter
- Complimentary 1-year Club Marriott membership, Wall Street Journal and Mint digital subscriptions, and an Inflection Point Ventures (IPV) angel-investing membership worth approximately ₹29,382
- 4 movie tickets worth ₹1,000 each per month via BookMyShow, one of the richest entertainment benefits among SBI's cards
Pros
- + Unlimited access to 1,000+ international lounges worldwide
- + Rich bundle of paid memberships included (Club Marriott, IPV, WSJ/Mint)
- + Best-in-class lounge programme at this fee tier
- + 40,000-point welcome bonus and monthly movie-ticket benefits
Cons
- − Invite-only for most applicants, or requires an existing high-limit SBI card
- − ₹12 lakh waiver threshold is very high
- − Base reward rate is unremarkable relative to the fee level
Best for
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