SBI Card
SBI Aurum Credit Card
Annual Fee
₹11,799₹9,999 + GSTBase Reward
1% points
Foreign Markup
1.99% of the transaction amount
Welcome Benefits
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
Product Highlights
- 40,000 Reward Points as a Welcome Benefit
- Complimentary memberships of Club Marriott, Wall Street Journal, and Mint
Category Rewards
dining
10X on dining, departmental stores, movies, groceries
10X
Specialty
10X on dining, departmental stores, movies, groceries
10X
entertainment
10X on dining, departmental stores, movies, groceries
10X
grocery
10X on dining, departmental stores, movies, groceries
10X
Fee Waiver
Annual membership fee waived off on annual spends of ₹12,00,000
Reward Calculator
Costs you ₹9,699/year
Break-even needs ~₹73,042/month at your reward mix.
₹13K
across all your buckets
8.4K
SBI Reward Points
₹2.1K
via standard · ₹0.25/pt
Effective rate
1.35%
Annual fee
₹11,799
Year 1 net
₹-9,699
Year 2+ net
₹-9,699
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.99%Charged on every international (non-INR) transaction
Dynamic Currency Conversion (DCC) markup
1.99%Charged when a foreign merchant offers to bill you in INR — always decline DCC
Excluded from rewards
fuel, balance transfer, cash advance, emi, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 4 Reward Points per ₹100 spent. Redeem points for gift vouchers, hotel reservations, flight tickets, etc.
- 4 Reward Points = ₹1
Benefits & Features
Domestic: 4 Free Visits Each Quarter (For Both Primary and Add-On Cardholders) International: Unlimited International Airport Lounge Access (Complimentary membership of the Dreamfolks airport lounge program) One complimentary guest visit each quarter is also offered.
Pros & Cons
Pros
- 40,000 Reward Points as a welcome benefit
- Tata CLiQ Luxury vouchers worth ₹5,000 on achieving the milestone benefit
Cons
- Basic reward rate of 1%
- Earlier subscriptions like Amazon Prime and Zomato Gold discontinued
Additional Info
Invite-only card
Requires excellent credit score and strong relationship with the card issuer
Max cap of ₹250 per movie ticket for BookMyShow.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹40.0L+
Networks
Fee Waiver
Annual membership fee waived off on annual spends of ₹12,00,000