SBI Card AURUM
SBI · MASTERCARD★ 4.5/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% base value on other spends
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
SBI AURUM is SBI Card's super-premium flagship — ₹9,999 annual fee, metal card, unlimited Priority Pass lounge access, Taj InnerCircle Epicure membership, and concierge. Designed for SBI's HNW customers who spend ₹10L+ annually.
Who is this for?
For SBI's ultra-premium segment — customers with ₹50L+ in deposits or relationship value who want a single metal card that handles travel, lifestyle, and concierge globally.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 1% | — |
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: SBI HNW banking relationship customer, Taj Hotels frequent guest (Epicure benefit), Super-premium card seeker in the SBI ecosystem, India-first HNW traveller who prefers SBI accounts
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Other (1% back).
Pros
- Metal card with unlimited Priority Pass lounge access — a genuine super-premium credential
- Taj InnerCircle Epicure membership — dining discounts and hotel benefits at Taj properties
- Concierge service for travel bookings and lifestyle management
- SBI's most prestigious card — suitable for high-profile relationship banking customers
Cons
- ₹9,999 annual fee with no spend-based waiver — competing against HDFC Infinia (invite) and SBI's own math
- HDFC Infinia and Axis Magnus offer better points value per rupee at similar fees
- Taj membership most valuable only for frequent Taj hotel guests
- SBI's service infrastructure may not match private bank premium card experience
Eligibility & documents
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
At ₹9,999 with no waiver it competes directly with Infinia and Magnus — and loses the points-value war against both.
Bottomline
CardAdvisor Rating: 4.5 / 5AURUM is SBI's statement that it can do super-premium — metal card, unlimited Priority Pass, Epicure membership, concierge. The bundle is genuinely rich; the question is whether SBI's service layer matches the card's ambitions. Mostly, it does.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI Card AURUM are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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