

SBI Card Aurum
Super-premium invite-only metal credit card
Joining Fee
₹9,999
+ 18% GST
First Year Net
+₹51,608
Annual Fee
₹9,999
+ 18% GST
Renewal Net
-₹12,774
Base Reward Rate
1.0%
4 points per ₹100
Best Category
2.0%
Final Net Score
26
out of 100
Net Annual Value
-₹975
Score Breakdown
Key Metrics
Card Information
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
ConsiderYou are close to the spend level where this card starts making sense.
Consider from
₹75,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
-₹975
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 100,000 monthly spend.
- Top earning category: international has elevated rewards, which can improve value when your spend matches it.
- Portal rewards: Extra value may depend on booking or spending through SBI Card Rewards Portal.
Details
Spend curve and supporting scenario values
SBI Card Aurum - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹9,999
- Foreign Transaction: 2.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 26/100
SBI Card Aurum - Frequently Asked Questions
What are the benefits of SBI Card Aurum?
SBI Card Aurum from SBI Card offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for SBI Card Aurum?
SBI Card Aurum is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does SBI Card Aurum cost?
The annual fee for SBI Card Aurum is ₹9,999. Additional charges may include foreign transaction fees and late payment charges.
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