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SBI Card Aurum

SBI Card ⭐ Featured

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

Lower ScoreMid RangeHigher Score

Key Metrics

Final Score
Comprehensive rating based on your spending profile
26/100
Effective Reward Rate
Weighted average based on your spending categories
1.1%
Annual Net Value
Expected yearly benefit after all costs
-₹975
Payback Period
Time to recover annual fees through rewards
Immediate

Card Information

Category
Super-premium invite-only metal credit card
Launch Date
2020
Networks
Visa Infinite, Mastercard World Elite, American Express

Should I Consider This Card?

Using general assumptions

Likely Eligible

Needs check

Add income range and credit score to estimate eligibility.

Value for Your Spend

Consider

You 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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