State Bank of India
SBI Card AURUM
Data last verified: 24 October 2026
- Joining fee₹9,999 + GST
- Annual fee₹9,999 + GST
- Reward rate1% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹9,999 + GST
- Annual fee₹9,999 + GST
- Fee waiverOn ₹12 lakh spend a year
- Forex markup1.99%
- Interest (APR)3.75% a month, 45% a year
01SBI Card AURUM Rewards and Benefits
02SBI Card AURUM Annual Fee and Charges
- Joining fee
- ₹9,999 + GST
- Annual fee
- ₹9,999 + GST
- Spend-based waiver
- Annual fee waived on ₹12 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 1.99%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹11,799
- It costs you each year₹9,399
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹1,00,000 or more a month: the ₹11,799 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 1.99% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹1,00,000 a month (₹12,00,000 a year, rent and wallet loads not counted): the ₹11,799 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How SBI Card AURUM earns Rewards
1% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 4 AURUM Reward Points (ARP) per ₹100 (~1%, SBI publishes 1 ARP = ₹0.25); fuel, rent, government & wallet loads excluded. ARP earned on AURUM never expire. Milestone voucher ladder can lift the effective return toward ~3.7%
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05SBI Card AURUM Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is unlimited, through DreamFolks. 16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate, SBI publishes the counts, n. Spending abroad carries a 1.99% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. ott subscription, concierge service, fuel surcharge waiver, golf privileges, hotel membership, insurance cover, airport lounge access, milestone bonuses, movie ticket offers.
- OTT subscription: Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
- Concierge service: 24x7 dedicated concierge for travel, dining and lifestyle requests
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, capped at ₹250 per statement cycle per card account
- Golf privileges: 16 complimentary golf rounds a year (4 per quarter) plus 12 complimentary golf lessons
- Hotel membership: Complimentary 1-year Club Marriott membership (member rates and dining discounts across participating Marriott properties). Our estimate discounts the ~₹14,000 list price for typical use
- Insurance cover: Air accident cover ₹3.5 crore, travel insurance ₹1 lakh, lost-card and fraud protection ₹10 lakh, and two flight-cancellation refunds a year
- Airport lounge access: 16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate, SBI publishes the counts, not a value
- Milestone bonuses: ₹1,500 Tata CLiQ voucher for each month you spend ₹1 lakh, ₹18,000 a year at a steady ₹1 lakh a month (₹12 lakh annual). This is the monthly award, not the ₹12 lakh annual-fee reversal
- Milestone bonuses: ₹10,000 Taj voucher on ₹10 lakh annual spend
- Milestone bonuses: ₹20,000 Apple voucher on ₹20 lakh annual spend
- Milestone bonuses: ₹5,000 Tata CLiQ Luxury voucher on ₹5 lakh annual spend
- Movie ticket offers: Movie tickets worth ₹1,000 every month on BookMyShow, 2 free tickets per booking, max ₹500 discount per booking (₹250 a ticket), minimum 24 hours between bookings
06Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Statement-credit redemption cappedSource: State Bank of India | Uncapped, any amount | ≤60,000 pts a month, in 4,000-pt multiples |
| 1 Nov 2025 | Reduced: Fee & charge revision (wallet-load fee added)Source: State Bank of India | - | - |
| 1 Dec 2024 | Reduced: Digital gaming spends stop earningSource: State Bank of India | Reward Points earned | No Reward Points on MCC 5816, 7993, 7994 |
| 1 Jun 2024 | Reduced: Government spends made reward-ineligibleSource: State Bank of India | Reward points earned | No reward points |
| 1 Apr 2024 | Reduced: Reward points removed on rent paymentsSource: State Bank of India | Reward points earned | No reward points |
See this card's change history → · All card changes in April 2026 →
07Cards Similar to SBI Card AURUM
SBI Card AURUM is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | SBI Card AURUM |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹9,999 + GST | Lifetime free | ₹499 + GST |
| Annual fee | ₹9,999 + GST | Lifetime free | ₹499 + GST |
| Rewards | 1% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 16 visits a year | Unlimited | Not included |
| Forex markup | 1.99% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your SBI Card AURUM Bill
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Common Questions
What is the joining fee for the SBI Card AURUM?
The joining fee is ₹9,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the SBI Card AURUM?
The annual fee is ₹9,999 + GST.
Does the SBI Card AURUM give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is unlimited, through DreamFolks. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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