Super-premium invite-only metal card offering unlimited global airport lounges, golf, and ₹12,000 movie benefits.
Ultra-High-Net-Worth Individuals, Luxury Lifestyle Seekers & Premium Movie Goers
₹9,999
One-time upfront₹9,999
Waived on ₹12 lakh annual spend4 Reward Points per Rs. 100 spent (reward rate of 1%)
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The SBI AURUM Credit Card is SBI Card's invitation-only metal masterpiece, crafted to cater to India's ultra-affluent demographic and compete directly with elite cards like HDFC Infinia and Axis Magnus. Its travel and entertainment privileges are among the finest in the country: the card provides unlimited complimentary domestic airport lounge visits across India and unlimited international airport lounge access via DreamFolks / Priority Pass, alongside 4 complimentary international guest lounge visits annually. For cinema lovers, AURUM provides 4 complimentary movie tickets every calendar month on BookMyShow (up to ₹250 per ticket, or ₹1,000/month), amounting to a substantial ₹12,000 in annual movie savings that alone outstrips the ₹9,999 annual fee. International travelers benefit from a discounted foreign exchange markup fee of 1.99% + GST and 1 complimentary airport spa session per quarter at domestic airports. The ₹9,999 joining fee is effectively offset upon activation by 40,000 Reward Points (worth ₹10,000 on the AURUM rewards portal). Cardholders also enjoy milestone gifts: a ₹5,000 Tata CLiQ Luxury voucher on spending ₹5 Lakhs and a ₹10,000 Taj Experiences e-Gift Card on spending ₹10 Lakhs. However, cardholders should note that its base reward rate is 4 Reward Points per ₹100 (1% value back), which is lower than pure reward maximizers like HDFC Infinia (3.33%). Who should consider it: High-net-worth individuals who frequent movies, travel extensively internationally with companions, and appreciate dedicated 24/7 concierge and luxury lifestyle privileges. Who should look elsewhere: Spenders seeking pure accelerated air miles transfers or those unable to secure an exclusive invitation.
4 Reward Points per Rs. 100 spent (reward rate of 1%)
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| BookMyShow Movies | 4 free movie tickets per month (up to ₹250/ticket, ₹1,000/month on BMS) | 250 Reward Points/mo | Standard terms apply |
| All Retail Spends | 4 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| BookMyShow Movies | ₹12,000 | 4 free movie tickets per month (up to ₹250/ticket, ₹1,000/month on BMS) | — | ₹250/monthly | Calculating... | Under cap |
| All Retail Spends | ₹18,000 | 4 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹9,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹9,999 + GST joining fee and ₹9,999 + GST annual renewal fee. Annual renewal fee is waived on annual retail spends of ₹12,00,000 in the previous card year. Welcome Benefit: 40,000 Reward Points (worth ₹10,000) credited upon payment of the joining fee. Movie Benefit: 4 complimentary movie tickets per calendar month on BookMyShow (capped at ₹250 per ticket or ₹1,000 per month = ₹12,000 per year). Domestic Lounges: Unlimited complimentary domestic airport lounge visits across participating lounges in India for primary cardholder. International Lounges: Unlimited complimentary international airport lounge access via complimentary DreamFolks membership + 4 complimentary international guest lounge visits per calendar year. Airport Spa: 1 complimentary airport spa session per calendar quarter at participating domestic airport terminals. Forex Markup: Discounted 1.99% + GST foreign currency markup fee on international transactions. Milestone Rewards: ₹5,000 Tata CLiQ Luxury voucher on reaching ₹5 Lakh annual spend; ₹10,000 Taj Experiences e-Gift Card on reaching ₹10 Lakh annual spend. Golf Privileges: 1 complimentary golf game and 1 golf lesson per calendar month across premier golf clubs in India. Exclusions: Fuel, rent payments, wallet loads, insurance, utilities, education, and government payments earn zero reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹9,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding SBI AURUM Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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