Key Features & Benefits
- ✦4 Reward Points per ₹100 on all eligible retail spends
- ✦10X Reward Points via SBI SmartShop portal
- ✦Unlimited complimentary domestic airport lounge access
- ✦Unlimited international lounge access via Priority Pass
- ✦6 bundled subscriptions as welcome benefits (worth ₹15,000+)
- ✦Golf privileges at premier courses
- ✦1.99% forex markup — lowest among SBI cards
- ✦24×7 concierge services
- ✦Comprehensive travel insurance cover
- ✦Annual fee waiver on ₹12L annual spend
- ✦1% fuel surcharge waiver
- ✦Complimentary EazyDiner Prime — 25% off at 10,000+ restaurants
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Welcome & Joining Benefits
- ✦40,000 Reward Points on joining (worth ₹10,000)
- ✦Complimentary Zomato Pro membership
- ✦EazyDiner Prime membership
- ✦Amazon Prime membership
- ✦Discovery Plus membership
- ✦Lenskart Gold membership
- ✦BigBasket Star membership (6 months)
Milestone Benefits
- ✦₹12L annual spend → ₹10,000 annual fee waived
Pros & Cons
✓ Advantages
- ✓6 premium subscriptions as welcome benefits — highest value welcome pack among SBI cards
- ✓Unlimited lounge access — no quarterly caps
- ✓1.99% forex — SBI's lowest, good for international travel
- ✓Unlimited golf at premier Indian courses
- ✓EazyDiner Prime + Zomato Pro covers dining rewards fully
✗ Disadvantages
- ✗Invite-only — cannot apply directly
- ✗₹10,000 annual fee
- ✗Annual fee waiver needs ₹12L spend
- ✗Base 4 RP/₹100 reward rate is modest for a super-premium card
Frequently Asked Questions
How do I get the SBI AURUM card?▼
SBI AURUM is extended by invitation only to existing SBI Card premium customers (ELITE/PRIME holders) with high annual spend patterns. There's no direct application link — wait for an AURUM upgrade offer.
What is 1 SBI Reward Point worth?▼
1 SBI Reward Point = ₹0.25 when redeemed against statement or shopping. For e-vouchers and travel redemptions the value may be higher. So 4 RP/₹100 = 1% effective cashback at base rate.
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