Core Rewards :
  • 4% 4 Aurum RP per Rs. 100 on online and offline transactions
Milestone Rewards :
  • Monthly : Spend 1L and get 1,500 Rs Tata Cliq Voucher
  • Quaterly : N/A
  • Annual : Spend 5L & get 5000 Luxe voucher, Spend 10L & get 10000 Taj Voucher
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
  • Redeem your points for Gift Vouchers
  • 1RP = Rs. 0.25
Redemption options : Gift Vouchers
Redemption fee : Not Applicable
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : 4 per Quarter
  • International Lounge : Unlimited
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : 10,00,000
  • Personal accidental insurance : N/A
  • Air accidental insurance : 3.5 Cr.
Other Benefits :
  • Lounge Membership : Dreamfolk Card - Domestic Spa & International Lounge
  • Memberships Available With Cards :
    • EazyDiner Prime
  • Spa Benefits : 1 per Quarter
Golf Benefits :
  • Lessons : 12 per Calendar Year
  • Games : 4 per Calendar Year
Joining fees : 10000
Annual fees : 1000
Welcome Benefits : 40,000 Points
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 1.99%
Fee reversal criteria : Spend 12,00,000 in a Year
Minimum age : 23
Minimum ITR : 30,00,000
Minimum Salary : 2,50,000

SBI Aurum Credit Card Welcome Benefits:

  • 40,000 Reward Points
  • Complimentary Zomato Pro Membership
  • 6-Month BBStar Membership

SBI Aurum Credit Card Reward Points/Cashback:

SBI Aurum Credit Card Rewards:

  • Core Rewards: 4% Aurum RP on all transactions.
  • Milestone Rewards: Exciting vouchers for hitting spending milestones.
  • Movie & Dining: Complimentary Zomato Pro, Eazydiner Prime, and monthly movie tickets.
  • High Rewards Rate: Earn at a rate of 4 Reward Points per Rs. 100 spent (1% reward rate).
  • Zero Liability Protection: Your card is safeguarded against fraudulent transactions post-loss report.

SBI Aurum Credit Card Reward Point Redemption:

SBI Aurum Credit Card Reward Points:

  • Redemption Options: Redeem for Gift Vouchers.
  • Point Value: 1 RP = Rs. 0.25.
  • No Redemption Fee: Enjoy hassle-free redemptions.
  • Conversion Rate: 4 Reward Points = Re. 1 (1% reward rate).

Pros of SBI Aurum Credit Card

  • Generous Welcome Bonus: Enjoy 40,000 Reward Points as a welcome benefit.
  • Milestone Rewards: Unlock Tata CLiQ Luxury vouchers worth Rs. 5,000 with this card.

Cons of SBI Aurum Credit Card

  • No Insurance Benefits: This card does not offer insurance benefits.
  • Discontinued Subscriptions: Subscriptions like Amazon Prime and Discovery Plus are no longer offered with the card.

SBI Aurum Credit Card Benefits:

  • Welcome Rewards: 40,000 Reward Points (Rs. 10,000 value) and complimentary memberships.
  • Milestone Benefits: Vouchers for monthly, annual spends.
  • Travel Perks: Lounge access, flight cancellation benefits.
  • Airport Lounge Access: Domestic and international lounge access.
  • Dedicated Services: 24x7 concierge and secretarial access.

SBI Aurum Credit Card Charges and Fee:

  • SBI Aurum Credit Card Charges and Fees:
  • Annual Fee: Rs. 9,999 (waived on annual spends of Rs. 12,00,000).
  • Renewal Fee: Rs. 9,999 (waived on spending Rs. 12 lakh annually).
  • Finance Charges: 3.5% per month (42% per annum) on outstanding balances.
  • Late Payment Fee: Varies based on the total amount due.
  • Spend-Based Waiver: Annual fee waived on spending Rs. 12,00,000 in the previous year.
  • Rewards Redemption Fee: None.
  • Foreign Currency Markup: 1.99% of the transaction amount.
  • Fuel Surcharge: 1% surcharge waived at all fuel stations in India.
  • Cash Advance Charges: 2.50% of the withdrawn amount, minimum Rs. 500.

Frequently Asked Questions:

  • Q: How can I apply for the SBI Aurum Credit Card?
    A: You can apply for the SBI Aurum Credit Card online through the SBI Card website or by visiting an SBI branch.
  • Q: What is the eligibility criteria for this card?
    A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with SBI for the specific criteria.
  • Q: Can I get my annual fee waived?
    A: Yes, the annual fee can be waived on annual spends of Rs. 10 lakhs or more.
  • Q: How do I redeem reward points?
    A: You can redeem reward points for gift vouchers and statement cash. There is no fee for redeeming your points.