Visa, Mastercard ★ Metal Edition 📡 Contactless NFC

SBI Card AURUM

Joining Fee₹9,999

Annual Fee₹9,999

Forex Markup 0% ZERO

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Ultra-high-net-worth individuals and luxury travelers seeking SBI's most prestigious metal card with 0% forex markup, unlimited global lounge visits, Club Marriott status, and monthly movie tickets.

Who Should Avoid

Users who cannot reach the ₹12 Lakh annual spend fee waiver or those seeking direct cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

40,000 Reward Points (worth ₹10,000) upon payment of joining fee and realization + 1-year Club Marriott membership

0% Forex Markup Worldwide

Zero foreign currency markup fee (0% forex) on all international retail and online transactions worldwide.

Unlimited Global Airport Lounge Access

Unlimited complimentary domestic and international airport lounge access worldwide for primary and add-on cardholders via Priority Pass.

Club Marriott Membership & Free Movies

Complimentary 1-year Club Marriott membership + 4 movie tickets on BookMyShow every month (up to ₹500 discount per booking).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

4 Reward Points per ₹100 spent on regular retail purchases (1.0% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

Up to 40 Reward Points per ₹100 (10.0% return; 1 RP = ₹0.25) on milestone spends and luxury partner brands; 4 free movie tickets on BookMyShow every month (up to ₹500 off/booking); Complimentary golf rounds

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Flight and Hotel Bookings via SBI Rewards Catalog (1 RP = ₹0.25), Brand Gift Vouchers & Electronics, Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,200,000/yr

Annual renewal fee of ₹9,999 + GST is waived off on spending ₹12,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹300,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Card AURUM

Annual Fee: ₹9,999/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 750 CIBIL Score LTF Cards for Salary Under ₹300,000 All SBI Card Credit Cards Lounge Access Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

No, SBI Card AURUM has a joining fee of ₹9999 and an annual renewal fee of ₹9999 (plus applicable taxes).

SBI Card AURUM ₹9,999/yr