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SBI Aurum Credit Card

The Aurum credit card offered by the State Bank of India is an invite-only credit card designed to provide its customers with luxury experiences. The user can access around 1,000 international lounges using this credit card along with a low forex mark-up fee on transactions internationally.

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Benefits of the SBI Aurum Credit Card

The benefits of the SBI Aurum credit card are as listed below:

  1. Joining Benefits: Earn 40,000 reward points valued Rs.10,000 as joining benefit with Aurum credit card. You can redeem these reward points on the reward portal or can use them for Club Vistara air Aurum. (Note: 1 reward point = Rs.0.25)
  2. Aurumtone Benefits: The various Aurumtone benefits associated with Aurum credit card are as listed below:
    1. Earn TataCliq voucher worth Rs.1,500 on spending Rs.1 lakh in a month.
    2. Earn Luxe voucher worth Rs.5,000 on spending Rs.5 lakh in a year.
    3. Earn Taj voucher worth Rs.10,000 on spending Rs.10 lakh in a month.
    4. Get the annual fee of Rs.10,00 worth waived off on spending Rs. 12 lakh and above in a year.
  3. Reward points: Earn 4 reward points for every Rs.100 spent. However, this scheme is not applicable to wallet loading.
  4. Movie tickets: Get 4 movie tickets for free in a month, valued at Rs.1,000. The tickets can be booked via BookMyShow. However, the disocunt per ticket cannot be more than Rs. 250 and you cannot claim more than two tickets in one transaction.
  5. Lounge Benefits: Get up to four domestic lounge access and unlimited international lounge access in a year for primary card holders, while accompanying guests get 4 complimentary international lounge access in a year. You also get a spa every quarter at the airport.
  6. Golf Benefits: The gold benefits associated with Aurum credit card are as follows:
    1. Get 16 complimentary golf rounds in a calendar year (4 in every quarter)
    2. Get 12 complimentary golf lessons in a calendar year
  1. Add-on Benefits: The various add-on benefits of the Aurum card are as follows:
    1. Get your annual fee waived off on spending Rs.12 lakh and above in a year.
    2. Get flight cancellation benefits as refundable coverage of Rs.3,500 for every ticket and non-refundable coverage of Rs.3,500 for every ticket.
    3. Aurum credit card holders also get dedicated lifestyle concierge services.
    4. Get foreign currency transaction fee as low as 1.99%.
Most Premium SBI Aurum Credit Card
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Features of the SBI Aurum Credit Card

The features of SBI Aurum credit card are discussed below:

  1. Worldwide Acceptance: SBI Aurum credit card can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India.
  2. Payment Flexibility: Cardholders can make payments at any outlet that accepts MasterCard/RuPay, offering convenience and flexibility wherever they go.
  3. Add-on Cardholders: You can empower their family members by providing them with add-on cards. These cards can be issued to parents, spouse, children, or siblings above the age of 18, extending the benefits of the SBI Aurum credit card to their loved ones.
  4. Cash Access Across the World: Enjoy the convenience of cash withdrawals from over 1 million ATMs across the globe, providing easy access to funds wherever cardholders travel.
  5. Flexipay: With Flexipay, cardholders can convert transactions into easy monthly installments. Transactions of Rs. 2,500 or more are eligible for Flexipay conversion, allowing cardholders to manage their expenses more effectively.
  6. Easy Bill Pay Facility: Cardholders can conveniently pay their electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility available on the SBI Card Elite, providing a hassle-free bill payment experience.
  7. Safe and Secure: The chip and pin enabled SBI Aurum credit card offers enhanced security against counterfeiting and skimming, ensuring peace of mind for cardholders during transactions.
  8. Balance Transfer on EMI: Cardholders can save money on credit card dues by transferring the outstanding balance of other banks’ credit cards to their SBI Aurum Credit Card. They can avail themselves of a lower rate of interest and payback in EMIs, offering a cost-effective solution to manage their finances.
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Fees and Charges of the SBI Aurum Credit Card

The fees and charges of the SBI Aurum credit card are as listed below:

Fees

Amount

Annual Fee

Rs. 9,999

Renewal Fee (per annum)

Rs. 9,999 (waived off on spending Rs. 12 lakh in a year)

Finance Charges

Up to 3.50% per month (42% per annum)

Late Payment Fee

  1. NIL for Total Amount due from Rs.0-Rs.500
  1. Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000
  2. Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000
  3. Rs. 950 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000
  4. Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000
  5. Rs. 1,300 for Total Amount due greater than Rs. 50,000
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Documents required to Apply for the SBI Aurum Credit Card

The below listed documents are required to apply for the SBI Aurum credit card are as listed below:

Proof of Identity (Choose one):

  1. Aadhaar Card
  2. Passport
  3. Voter ID Card
  4. Driving License
  5. PAN Card

Proof of Address (Choose one):

  1. Aadhaar Card
  2. Passport
  3. Voter ID Card
  4. Utility Bill (Electricity, Water, Gas, Telephone) not exceeding two months old
  5. Bank Statement with Address

Proof of Income (Choose one):

  1. Salary Slip (for Salaried Individuals)
  2. Income Tax Returns
  3. Form 16
  4. Bank Statements (for Self-employed Individuals)

Passport-sized Photographs: Prepare a few recent passport-sized photographs.

KYC Documents: This may involve self-attested copies of the PAN card, Aadhaar card, and other relevant documents as per the bank's requirements for Know Your Customer (KYC) compliance.

Eligibility criteria to apply for SBI Aurum Credit Card

The eligibility criteria to apply for SBI Aurum Credit Card is as follows:

  1. This is an invite only credit card
  2. Individual can be salaried or self-employed
  3. The minimum income requirement for this credit card is Rs. 40 lakh p.a.

Methods for Digital Payments with SBI Aurum Credit Card

You can use one of the below listed methods to complete digital payment using Aurum credit card:

  1. Automated Standing Instruction (e-NACH): Simplify bill payments by enrolling in e-NACH for automatic deductions from your bank account on the Payment Due Date.
  2. UPI Payment: Quickly settle bills via UPI on the SBI Card App or website using a QR code.
  3. NEFT (National Electronic Funds Transfer): Instantly pay your SBI Credit Card outstanding through NEFT, available 24/7. Use your 15-digit or 16-digit credit card number and IFSC Code SBIN00CARDS to register.
  4. YONO Payment: Swiftly make payments through the YONO App by SBI for immediate credit to your card account. Download the app from the Google Play Store or App Store.
  5. Bharat Bill Payment System: Conveniently and securely settle your credit card bill through the Bharat Bill Payment System on the SBI Unipay website.
  6. PayNet: Visit sbicard.com and use PayNet to make online payments via net banking, with instant reflection in your SBI Credit Card account.
  7. Electronic Bill Payment: Directly pay from your bank account using your bank's Bill Pay facility, with instant crediting of payments.
  8. Auto Debit: Authorize your SBI Card to debit your savings or current bank account by completing the Auto Debit mandate at selected banks.
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FAQs on SBI Aurum Credit Card

  • How much is the cash advance fee for SBI Aurum credit card?

    The cash advance fee for the SBI Aurum credit card is 2.5% of the transaction amount or Rs.500 whichever is higher. 

  • Can individuals directly apply for SBI Aurum credit card?

    No, you cannot directly apply for the SBI Aurum credit card. This is an invite-only credit card. 

  • How much is the minimum income requirement to be eligible for SBI Aurum credit card?

    The minimum income requirement to be eligible for SBI Aurum credit card is Rs.40 lakh.

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Credit Card Eligibility
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