AURUM Credit Card
The AURUM Credit Card is SBI Card’s invitation-only black card tailored for high-net-worth individuals and corporate leadership. It features personalized 24/7 concierge services, unlimited worldwide lounge visits with guest privileges, and exclusive golf privileges.
Why We Recommend The AURUM Credit Card
SBI’s pinnacle luxury card, offering high-end concierge services, golf perks, and unlimited lounge access.
High-net-worth individuals and corporate executives prioritizing end-to-end luxury concierge support and unrestricted lounge privileges.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AURUM Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AURUM Credit Card
Zero hidden costs. Complete fee schedule verified with SBI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AURUM Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary international lounge visits via DreamFolks / Priority Pass + 4 guest visits per year
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AURUM Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
4 free movie tickets every month (up to ₹1,000/month on BookMyShow).
Unlimited domestic and international airport lounge access with guest passes.
Complimentary golf games and golf lessons every calendar quarter.
Pros & Cons of the AURUM Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Unrestricted worldwide lounge access with guest privileges.
- Substantial monthly entertainment allowance (₹12,000 per year on movies).
- Dedicated 24/7 secretarial desk for priority reservations and travel arrangements.
Things to Consider (Cons)
- Available strictly by bank invitation only.
- High annual fee of ₹9,999 + GST.
- Baseline point accrual rate is modest compared to specialized international air-miles cards.
Who Can Apply for the AURUM Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
780+ Score Recommended
Applicants with a credit score of 780 or higher enjoy fast-tracked approval and preferential credit limits from SBI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AURUM Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AURUM Credit Card?
Check your pre-approved credit limit and instant approval eligibility across SBI Bank with 100% paperless verification and zero score impact.