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SBI Aurum Credit Card
Annual Fees
1000
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Percentage Savings range
1-4%
Use this for Movie ticekts booking via BookMyShow and spend 1Lakh every month and atleast 10Lakhs annually to get milestone benefits
Reward Type
Reward Points
Welcome Benefits
40,000 Points *
Minimum Income
30,00,000
Lounge Access
4 per Quarter
Rewards
Core Rewards :
- 4% 4 Aurum RP per Rs. 100 on online and offline transactions
Milestone Rewards :
- Monthly : Spend 1L and get 1,500 Rs Tata Cliq Voucher
- Quaterly : N/A
- Annual : Spend 5L & get 5000 Luxe voucher, Spend 10L & get 10000 Taj Voucher
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
- Redeem your points for Gift Vouchers
- 1RP = Rs. 0.25
Redemption options : Gift Vouchers
Redemption fee : Not Applicable
Transfer partners : N/A
Complementary Benefits
Lounge access :
- Domestic Lounge : 4 per Quarter
- International Lounge : Unlimited
- Railway Lounge : N/A
Insurance Benefits :
- Lost card liability : 10,00,000
- Personal accidental insurance : N/A
- Air accidental insurance : 3.5 Cr.
Other Benefits :
- Lounge Membership : Dreamfolk Card - Domestic Spa & International Lounge
- Memberships Available With Cards :
- EazyDiner Prime
- Spa Benefits : 1 per Quarter
Golf Benefits :
- Lessons : 12 per Calendar Year
- Games : 4 per Calendar Year
Fees
Joining fees : 10000
Annual fees : 1000
Welcome Benefits : 40,000 Points
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 1.99%
Fee reversal criteria : Spend 12,00,000 in a Year
Eligibility
Minimum age : 23
Minimum ITR : 30,00,000
Minimum Salary : 2,50,000
SBI Aurum Credit Card Welcome Benefits:
- 40,000 Reward Points
- Complimentary Zomato Pro Membership
- 6-Month BBStar Membership
SBI Aurum Credit Card Reward Points/Cashback:
SBI Aurum Credit Card Rewards:
- Core Rewards: 4% Aurum RP on all transactions.
- Milestone Rewards: Exciting vouchers for hitting spending milestones.
- Movie & Dining: Complimentary Zomato Pro, Eazydiner Prime, and monthly movie tickets.
- High Rewards Rate: Earn at a rate of 4 Reward Points per Rs. 100 spent (1% reward rate).
- Zero Liability Protection: Your card is safeguarded against fraudulent transactions post-loss report.
SBI Aurum Credit Card Reward Point Redemption:
SBI Aurum Credit Card Reward Points:
- Redemption Options: Redeem for Gift Vouchers.
- Point Value: 1 RP = Rs. 0.25.
- No Redemption Fee: Enjoy hassle-free redemptions.
- Conversion Rate: 4 Reward Points = Re. 1 (1% reward rate).
Pros of SBI Aurum Credit Card
- Generous Welcome Bonus: Enjoy 40,000 Reward Points as a welcome benefit.
- Milestone Rewards: Unlock Tata CLiQ Luxury vouchers worth Rs. 5,000 with this card.
Cons of SBI Aurum Credit Card
- No Insurance Benefits: This card does not offer insurance benefits.
- Discontinued Subscriptions: Subscriptions like Amazon Prime and Discovery Plus are no longer offered with the card.
SBI Aurum Credit Card Benefits:
- Welcome Rewards: 40,000 Reward Points (Rs. 10,000 value) and complimentary memberships.
- Milestone Benefits: Vouchers for monthly, annual spends.
- Travel Perks: Lounge access, flight cancellation benefits.
- Airport Lounge Access: Domestic and international lounge access.
- Dedicated Services: 24x7 concierge and secretarial access.
SBI Aurum Credit Card Charges and Fee:
- SBI Aurum Credit Card Charges and Fees:
- Annual Fee: Rs. 9,999 (waived on annual spends of Rs. 12,00,000).
- Renewal Fee: Rs. 9,999 (waived on spending Rs. 12 lakh annually).
- Finance Charges: 3.5% per month (42% per annum) on outstanding balances.
- Late Payment Fee: Varies based on the total amount due.
- Spend-Based Waiver: Annual fee waived on spending Rs. 12,00,000 in the previous year.
- Rewards Redemption Fee: None.
- Foreign Currency Markup: 1.99% of the transaction amount.
- Fuel Surcharge: 1% surcharge waived at all fuel stations in India.
- Cash Advance Charges: 2.50% of the withdrawn amount, minimum Rs. 500.
Frequently Asked Questions:
- Q: How can I apply for the SBI Aurum Credit Card?
A: You can apply for the SBI Aurum Credit Card online through the SBI Card website or by visiting an SBI branch. - Q: What is the eligibility criteria for this card?
A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with SBI for the specific criteria. - Q: Can I get my annual fee waived?
A: Yes, the annual fee can be waived on annual spends of Rs. 10 lakhs or more. - Q: How do I redeem reward points?
A: You can redeem reward points for gift vouchers and statement cash. There is no fee for redeeming your points.
About Us
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