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SBI Card
SBI Card AURUM
Visa
SBI Card AURUM
SBI's invite-only, super-premium flagship — unlimited international lounge access and a stack of high-value memberships (Club Marriott, IPV, WSJ/Mint) at a steep ₹9,999 fee that needs ₹12L of annual spend to waive.
Rates and fees last verified 15 July 2026.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- ✈️ Travel
1% reward rate · Unlimited complimentary access to 1,000+ international airport lounges, 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
Benefits
- 40,000 bonus reward points (worth ~₹10,000) on card activation
- Unlimited complimentary access to 1,000+ international airport lounges, 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) membership worth ~₹29,382
- 4 movie tickets worth ₹1,000 per month via BookMyShow
Pros
- + Unlimited access to 1,000+ international lounges
- + Rich bundle of paid memberships included
- + Best-in-class ₹9,999-fee-tier lounge programme
Cons
- − Invite-only for most applicants, or requires an existing high-limit SBI card
- − ₹12L waiver threshold is very high
- − Base reward rate is unremarkable for the fee level