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AURUM Credit Card

Premium travel rewards without annual fee commitment

Annual fee₹9,999Waived on ₹12.0L spend
Rewards—
Forex markup2.0%Enjoy the exclusive privilege of the low forex mark-up of 1.99% on international transactions
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Welcome benefits

worth ₹10,000

40,000 AURUM Reward Points equivalent to ₹ 10,000

Type
Reward Points
Trigger
Joining Fee Payment

Rewards

Redemption options

Travel:₹0.25 per point
  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Lounge access

Domestic

16visits / year

  • Max 4 per quarter
VisaMastercard

International

Priority Pass

—complimentary visits

    Fees & charges

    Joining fee
    ₹ 9999+ taxes
    Annual / renewal fee
    ₹ 9999+ taxes
    Annual fee waiver
    On an annual Spend of 12L there is Spend Base Reversal
    Interest rate
    Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
    Interest-free period
    50 days
    Cash advance fee
    2.5% of transaction amount (subject to a minimum of ₹500)
    Overlimit fee
    2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
    Payment dishonour
    In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
    Forex markup
    Enjoy the exclusive privilege of the low forex mark-up of 1.99% on international transactions
    DCC markup
    1.99%
    Reward redemption
    ₹99 per redemption

    Late payment

    Outstanding amountLate fee
    ₹0 – ₹100₹0
    ₹101 – ₹500₹100
    ₹501 – ₹1,000₹500
    ₹1,001 – ₹10,000₹750
    ₹10,001 – ₹25,000₹950
    ₹25,001 – ₹50,000₹1,100
    Above ₹50,001₹1,300

    Features

    ✓ International usage✓ Concierge service

    Additional features

    • Complimentary 1-year membership to Inflection Point Venture (IPV) worth Rs.29,382 for Angel Investment Network access
    • Secretarial Access - authorize a secretary/executive assistant to conduct limited interactions with SBI Card on behalf of cardholder
    • Dedicated AURUM Relationship Manager
    • One complimentary Spa access at select airports every quarter within India

    Card management via SBI Card app.

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