SBI Aurum Credit Card – Exclusive Privileges & Rewards

Innovative financial tools are essential for running a successful business, and Rajesh Mehta found that the SBI Aurum Credit Card changed everything. He required a card that could maximise spending, improve travel, and offer special lifestyle perks because he founded Mehta Exports. 

The Aurum Card made it simple to run his corporate operations and improved his personal experience, offering free access to airport lounges, high reward points, assistance services, and luxury privileges.

Key Highlights of SBI Aurum Credit Card

The SBI Aurum Credit Card is a super-premium offering designed for high-net-worth individuals, providing a range of exclusive benefits:

• Welcome Bonus: You will receive 40,000 Aurum Reward Points upon payment of the annual fee, equivalent to ₹10,000. 
  
  
• Reward Points: You will also get a chance to earn 4 points for every ₹100 spent on non-fuel transactions.
  
  
• Travel Privileges: You will enjoy unlimited international airport lounge access and four complimentary domestic lounge visits per quarter.
  
  
• Lifestyle Benefits: You will benefit from complimentary 1-year memberships to Club Marriott, The Wall Street Journal, and Mint.
  
  
• Entertainment Offers: You can also avail four complimentary movie tickets worth ₹1,000 each month through BookMyShow.
  
  
• Golf Access: You can access 16 complimentary golf rounds per calendar year (4 per quarter).
  
  
• Milestone Benefits: Get e-vouchers from Taj, Apple, and Tata CLiQ Luxury when you reach certain spending goals.
  
  
• Insurance Coverage: It includes travel insurance for baggage loss and airline delays, as well as ₹3.5 crore in air accidental death coverage.

The yearly charge for the card is ₹9,999 plus taxes, but it can be waived if you spent ₹12 lakh or more the year before.

You can go to the official Aurum Credit Card website for more thorough details.

Benefits of SBI Aurum Credit Card

1. Welcome Benefits

Reward Benefits
After paying the registration cost, you will receive 40,000 AURUM Reward Points (ARP), which is equal to 10,000 naira. (1 ARP is equal to 0.25).

2. Membership Benefits

• Club Marriott Membership
   Complimentary 1-year Club Marriott Membership.
  
  
• Digital Subscriptions
  Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint.
  
  
• Angel Investment Network
   Complimentary 1-year membership to Inflection Point Venture (IPV), worth ₹29,382.
  
  

3. Travel Benefits

• International Privilege

Free DreamFolks membership that grants unrestricted access to more than 1000+ international airport lounges.

Complimentary visit for a visitor once every three months.

• AURUM Forex

A unique 1.99% forex markup is applied to foreign transactions.

• Domestic Privilege

Every quarter, there are four free domestic airport lounge visits.

Relevant to the Add-on cardholder or holders.

Beyond free visits, lounge usage fees will be based on actuals + applicable taxes.

• Domestic Spa Benefits

Every quarter, certain Indian airports offer one complimentary spa visit.

4. Golf Privileges

• AURUM Golf Privilege

16 free golf outings are offered each year, four of which are every quarter.

Each year, 12 free golf lessons are offered.

5. Entertainment Privileges

• BookMyShow

Purchase four movie tickets on BookMyShow.com for ₹1,000 each month.

Each reservation is eligible for two complimentary tickets (maximum ₹500 off per reservation, ₹250 per ticket).

Two reservations must be separated by at least 24 hours.

Convenience fees are assessed when necessary.

6. Concierge Services

• AURUM Concierge

Excellent concierge services for booking flights, hotels, and other things.

7. Secretarial Access

• AURUM Secretarial Access

Permit an executive assistant or secretary to handle certain SBI Card transactions on your behalf.

8. Rewards Portal

• AURUM Rewards Portal

Access various special bonuses and incentives that have been handpicked mainly for you.

9. VISA/Mastercard Privileges

• VISA Infinite Privileges

Exclusive offers across Lifestyle, Dining, Travel, Entertainment, and more.

• Mastercard World Privileges

Exclusive benefits across luxury hotels worldwide.

• Visa Contactless Advantage

Fast, convenient, and secure daily purchases with Visa payWave.

SBI Aurum Credit Card Cashback and Rewards

• Movie & Dining

Four movie tickets (up to a maximum of Rs. 250 each) are purchased monthly from BookMyShow.

• Rewards Rate

Four reward points are awarded for every Rs. 100 spent (a 1% reward rate).

• Reward Redemption

Through the specialised AURUM Rewards portal, Reward Points can be exchanged for gift cards, hotel stays, airline tickets, and more.

• Travel

Complimentary access to airport lounges and airport spas, both domestically and internationally.

• Domestic Lounge Access

Four complimentary domestic lounge visits are provided under the Visa/MasterCard domestic lounge program.

• International Lounge Access

Free membership to the Dreamfolks lounge program and unlimited access to lounges at foreign airports.

• Golf

16 free golf outings a year, four every quarter.

• Insurance Benefits

Travel insurance and flight accident coverage are available.

SBI Aurum Credit Card Fees and Other Charges

Late Payment Fee Applicable on SBI Aurum Credit Card

Late Payment Fee is Rs. 400 for outstanding > Rs. 500 up to Rs. 1,000

₹750 for outstanding > ₹1,000 up to ₹10,000

₹950 for outstanding > ₹10,000 up to ₹ 25,000

₹1,100 for outstanding > ₹ 25,000 up to ₹ 50,000

₹1,300 for outstanding > ₹50,000

Additional ₹100 after 2 missed payments

SBI Aurum Credit Card Pros and Cons

High earners looking for luxury and exclusive features can apply for the SBI Aurum Credit Card, a premium, invite-only product. An outline of its main benefits and possible disadvantages is provided below:

Pros:

• Generous Welcome Bonus: New cardholders receive 40,000 reward points upon joining, equivalent to ₹10,000. 
  
  
• Robust Reward Program: Earn eight reward points for every 100 naira spent abroad and four for every 100 naira spent domestically. Numerous goods, services, and unique experiences can be purchased with these points.
  
  
• Exclusive Travel Benefits: Enjoy unlimited international lounge access and four domestic lounge visits per quarter. Additionally, the card offers complimentary travel insurance, including air accident coverage up to ₹3.5 crore. 
  
  
• Complimentary Premium Memberships: In addition to digital subscriptions to The Wall Street Journal and Mint, cardholders get a one-year Club Marriott membership, improving their access to information and lifestyle.
  
  
• Milestone Rewards: Reach spending targets to get extra benefits, such as ₹5,000 vouchers after spending ₹5,00,000 a year and ₹10,000 vouchers after spending ₹10 lakh a year.

Cons:

• High Annual Fee: A hefty yearly fee of ₹9,999 plus relevant taxes is associated with the card. However, this fee is eliminated if yearly spending is above ₹12 lakh.
  
  
• Exclusive Eligibility: It is not available to everyone because it is an invite-only card. A minimum yearly income of ₹40 lakh is usually required for eligibility, making it available to a limited number of people.

For high-income people who regularly travel, buy, and dine in luxury, the SBI Aurum Credit Card provides several exclusive privileges. However, some prospective customers could find its exorbitant rates and stringent eligibility requirements impractical.

Eligibility Criteria for SBI Aurum Credit Card

There are no predetermined qualifying requirements to obtain the Aurum Credit Card because it is an invite-only card. However, you still need to meet these requirements:

• Age: The minimum age for self-employed people is 25, and for salaried people it is 21.
  
  
• Income should be at least ₹ 40,00,000 per annum.
  
  
• You want a solid rapport and outstanding credit score with the card provider.

Required Documents to Apply for SBI Aurum Credit Card

Since the SBI Aurum Credit Card is invite-only, eligibility is based on high income (₹40 lakh+ per year). To apply, interested individuals must express their interest on the official SBI Aurum website.

How to Apply for SBI Aurum Credit Card

The SBI Aurum Credit Card is a premium, invite-only card intended for people with outstanding creditworthiness and high incomes. To indicate your desire to receive this card, take the following actions:

Visit the Official Website:

• Visit the SBI Aurum Credit Card's official website

Express Your Interest:

• Find and select, or you can see the "Express Interest" button on the home page in the top right-hand corner.
  
  
• Provide accurate personal information on the form, including your full name, contact details, and any additional fields that may be needed.
  
  
• Complete and submit the form to express interest in the Aurum Credit Card.

Await Contact:

• The SBI Card team will review your details after you submit your statement of interest.
  
  
• A representative will contact you to review the following stages, which can include submitting more paperwork and finishing the official application procedure if you fulfil the qualifying requirements.

SBI Aurum Credit Card Customer Support Team?

You can contact SBI Card's dedicated customer service via the following channels if you need help with your SBI Aurum Credit Card:

Phone Support:

Dedicated Aurum Helpline: 1860 500 2000

General Customer Care Numbers:

• 1860 180 1290
• 1860 500 1290
• 1800 180 1290 (Toll-Free)

These helplines are available from 8 AM to 8 PM, Monday to Saturday. 

Email Support:

• Aurum Cardholders: aurum@sbicard.com
• General Inquiries: customercare@sbicard.com

Conclusion

The SBI Aurum Credit Card is a top-tier, customised option for those looking for unmatched elegance and unique benefits. It meets the discriminating demands of high-net-worth customers with its extensive travel privileges, strong reward system, and access to elite memberships. 

It is an appropriate option for people whose lifestyle fits with its services, but because of its invite-only status and high annual price, it highlights its exclusivity. Prospective candidates should carefully evaluate their spending patterns to determine if the Aurum Credit Card aligns with their financial goals and personal preferences.

FAQs Related to SBI Aurum Credit Card

Q. Is SBI Aurum worth it?

This card offers premium perks for travel, shopping, and other expenses, so you might want to consider it if you are willing to spend ₹9,999. You will be able to get the most out of it, though, if you use it as your primary credit card exclusively.

Q. Will I get an Amazon Prime membership with the SBI Aurum Credit Card?

Yes, this credit card comes with memberships to Club Marriott, Lenskart Gold, BB Star, EazyDiner Prime, Amazon Prime, and Discovery Plus.

Q.  What is the minimum income requirement for this credit card?

High-net-worth individuals are the only ones eligible for the invite-only SBI Aurum card. However, you need to earn at least ₹40 lakh a year in gross income to qualify for this card.

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