Meet these thresholds and you're likely to be approved. Final call is SBI Card's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time SBI Card tweaks the program.
Every calendar month you clear ₹1,00,000 in retail spend, Aurum drops a ₹1,500 Tata Cliq Fashion voucher. Twelve months hit = ₹18,000 — more than enough to cover the ₹11,799 annual fee before any reward points are counted.
International swipes earn 8 Aurum points per ₹100 (effectively 2%) and attract just 1.99% forex, versus 3.5% on most co-brand cards. On ₹5,00,000 of overseas spend the gap alone is ₹7,550 saved in markup plus ~₹10,000 of portal-value points.
Portal redemption pegs 4 points = ₹1 (₹0.25/pt). Air India, Singapore Airlines, British Airways and Emirates transfers typically value each Aurum point at ₹0.75+ on premium-cabin awards — a 3× multiplier on every redeemed point. Points never expire, so bank them for a real trip.
Above ₹20,00,000 annual spend the effective reward rate jumps to 5.5% — a tier worth ~₹1.1L in enhanced rewards. Aurum also kicks in a 100% fee waiver at ₹12,00,000, so the stretch from ₹12L to ₹20L carries its own payback.
The activation bundle is worth ₹64,382 on paper — 40,000 Aurum points, Club Marriott (₹15K), WSJ digital (₹8K), Mint e-paper (₹2K), IPV membership (₹29,382). Activate Club Marriott and IPV in the first month or their calendar year starts burning unused.
The card ships 4 movie tickets worth ₹1,000 each month via BookMyShow — an annual ₹12,000 if claimed monthly. Set a recurring reminder; this benefit does not roll forward across months.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
16 domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
₹64,382 Welcome reward points.
Air accident cover, lost-card liability, emergency card replacement abroad.
Aurum carries a ₹9,999 + 18% GST joining and annual fee — ₹11,799 all-in. SBI Card waives the next-year fee 100% on ₹12,00,000 of retail spend in the anniversary year (~₹1 lakh a month). Current IIM A/B/C students can skip all fees through the institute-branch lifetime-free route.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
