AURUM SBI Card
SBI
₹9,999
Joining fee
₹9,999, waived at ₹12L spend
Annual fee
Waived on spending Rs 12 lakh annual.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Invitation-only card; minimum annual income Rs 40 lakh gross; salaried and self-employed professionals eligible
Lounge access
Domestic: 16 visits annually (4/quarter)
International: Unlimited access, with 4 complimentary guest visits annually (1 guest/quarter)
Reward details
4 reward points per Rs 100 spent
Welcome bonus: Activation benefit worth Rs 10,000 in reward points
- up to Rs 20 lakh spend thresholds: monthly and annual milestone benefits
Redemption
Ratio: 1 point = Rs 0.25
Excluded from rewards: fuel transactions
- Golf: 16 rounds + 12 lessons annually
- Movie benefits worth Rs 1,000/month
- Complimentary premium memberships (limited to first year)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Activation benefit offsets high joining fee well; complimentary premium memberships valuable in year one; milestone benefits across multiple spend thresholds offer good savings; golf and movie benefits add value — Paisabazaar
Complaints
- Very low base reward rate of just 1% compared to competitors offering 3-33%; limited domestic lounge access (16/year) versus competitors' unlimited; membership benefits limited to first year only; low redemption value (Rs 0.25/point); limited partners in the miles-transfer program — Paisabazaar
Sources
- Official (blocked when last checked) — none — rendered navigation content only, no product details
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment