State Bank of India SBI Aurum Credit Card: It is a flagship offering that is targeted to serve a luxury-lover, who enjoys some exclusive benefits. This credit card perfectly suits for improving lifestyle by providing an airport lounge pass, special shopping benefits, and concierge services, among several other benefits it provides to cardholders. And the good news is its reward points are pretty amazing. That way, if people tend to spend greatly, they could feel quite compensated for using a card.
This credit card is for the frequently traveling, shopping luxury brands enthusiasts, and a comfort-loving person who wants a little extra comfort in life with more convenience. It offers such benefits as complimentary lounge access, exclusive discounts at high-end retailers, and an around-the-clock concierge service available to help with travel bookings, reservations, and much more.
One of the main benefits of the SBI Aurum Credit Card is that it offers reward points to the cardholder for every transaction, especially when you book your flights and stay in hotels. These points can be used for air miles, shopping vouchers, or even cash back. On top of this, it provides fuel surcharge waivers and exclusive insurance coverage so that you will be covered in case of emergencies.
These high-value benefits aside, the card comes with global acceptance, which easily allows its holder to use the card for local and international transactions. This will help to make it very convenient for one who travels quite often, using a credit card that offers the convenience of everywhere.
What is the SBI Aurum Credit Card?
The SBI Aurum Credit Card is a credit card provided by the State Bank of India (SBI) offering an array of features and benefits suited to cater to the spending of customers. It particularly suits customers who love shopping, dining, and engaging in other lifestyle activities.
On every purchase made, the customer earns reward points, discounts on certain brands, and special offers. The card is very convenient to use in both online and offline transactions and includes security features to ensure its safety.
How is the design of the SBI Aurum Credit Card?
The SBI Aurum Credit Card is slick and stylishly designed. It flaunts a very premium look that radiates its status of high value. The card had good material built into it. This made the card sturdy yet polished to handle. Gold along with black portrays a very polished and stylishly refined background. Having the logo of SBI on it makes it a grand prestige.
Overall, the design of the SBI Aurum Credit Card is meant to give cardholders a sense of luxury and exclusivity. It’s a card you’d be proud to carry, with its classy and modern look that matches the high-end benefits it offers.
What is the meaning of ‘Aurum’ in SBI Aurum Credit Card?
Aurum is a Latin word that means Gold in English and Sona in Hindi. This is a type of credit card which, as you must have read above, is the new credit card of SBI, which is a premium metal credit card and SBI has also used gold in it.
What are the benefits of the SBI Aurum Credit Card?
Below are the detailed benefits of the SBI Aurum Credit Card explained simply and in detail:
Welcome Benefits and Free Gifts:
Upon receiving the SBI Aurum Credit Card, most cardholders are welcomed with some great offers, such as free memberships to premium services like lounge access, personal concierge services, and even gift vouchers.
Exclusive Lounge Access:
Another significant advantage of the SBI Aurum Credit Card is its entitlement to over 1000 lounges around the world. It offers free entry into the domestic lounges and provides a discounted rate for entry into international lounges. Traveling thus becomes less hassle-some and luxurious when you get the opportunity to stay in the lounge free of cost.
Reward Points:
The SBI Aurum Credit Card offers reward points on each purchase that you make, redeemable for a wide range of benefits, including air miles, shopping vouchers and so many more. The points scheme is set up to be very appealing for high spenders, as they can accumulate significant points very rapidly through travel bookings, dining, and other categories.
- 4 Reward Points per ₹100 spent on travel-related expenses such as flight and hotel bookings.
- 2 Reward Points per ₹100 spent on other categories like shopping, dining, etc.
Complimentary Lounge Access for Spouse:
Not only the cardholder but the spouse also gets the benefit of complimentary lounge access. This is a great perk for frequent travelers who wish to travel in comfort along with their partners.
Concierge Service:
The card comes with exclusive concierge services to assist with various tasks like booking hotels, making reservations, purchasing gifts, etc. This service is available 24/7, making it very convenient for high-net-worth individuals to manage their busy lives. The concierge service can help with travel planning, event arrangements, and even securing last-minute tickets.
Luxury Shopping and Dining Benefits:
It has special privileges and discounts at premium retailers, restaurants, and lifestyle brands. Cardholders can enjoy luxury brand discounts, exclusive access to fashion and jewelry events, and cashback offers on dining. This adds a touch of luxury to your shopping and dining experience.
Fuel Surcharge Waiver:
The cardholders can enjoy fuel surcharge waivers at all fuel stations in India. Every time you fill fuel at a petrol pump, you can save on the fuel surcharge, which is a small but useful benefit for those who drive regularly.
Annual Fee Waiver on High Spend:
While the SBI Aurum Credit Card charges an annual fee, it can be waived if the cardholder spends a certain amount within the year. This makes it cost-effective for those who plan to use the card for their regular and big-ticket purchases.
Comprehensive Insurance Coverage:
The card provides a comprehensive insurance cover that includes various types of coverage such as:
- Air Accident Insurance: In case of a mishap during air travel, the cardholder is covered with a substantial sum.
- Lost Card Liability: If the card is lost or stolen, the cardholder’s liability for unauthorized transactions is minimized.
- Purchase Protection: If an item purchased using the card is damaged or stolen within a certain period, the cardholder may be entitled to compensation.
Global Acceptance:
The SBI Aurum Credit Card is accepted globally, which makes it very convenient for international travelers. Whether you are traveling abroad for business or leisure, you can use this card to make payments to millions of merchants worldwide.
Milestone Benefits:
The cardholders can also enjoy milestone benefits after spending a certain amount within a year. For instance, after reaching a particular spending threshold, you could earn bonus reward points or receive exclusive vouchers, giving even more value to your purchases.
What are the fees for the SBI Aurum Credit Card?
Here is a simple breakup of the SBI Aurum Credit Card fees.
Joining Fee | ₹9,999 + GST (one-time fee when you get the card). |
Annual Fee | ₹9,999 = GST per year. This will be waived if you spend ₹10,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.50% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | ₹0 for outstanding amounts up to ₹500.₹400 for ₹501 to ₹1,000.₹750 for ₹1,001 to ₹10,000.₹950 for ₹10,001 to ₹25,000.₹1,100 for ₹25,001 to ₹50,000.₹1,300 for amounts above ₹50,000. |
What are the criteria for getting an SBI Aurum Credit Card?
The following are the primary requirements:
- You should be between 18 to 70 years of age to apply for the SBI Aurum Credit Card. This way, the applicants will either be young enough to begin creating a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs. 40 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for SBI to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What are the necessary documents required to get an SBI Aurum Credit Card?
The documents that you will have to submit to get an SBI Aurum Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the SBI Aurum Credit Card be used?
Here is the list of places where you can use it:
- You can shop at almost every retail outlet, shopping mall, and e-shopping website with SBI Aurum Credit Card for clothing, electronics, accessories, etc.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight tickets, train tickets, or bus tickets. You can also use it to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity bills and water bills, mobile bills, and internet services as well.
- You can use your SBI Aurum Credit Card to pay for something expensive, such as electronics or appliances, through easy monthly installments (EMIs).
- The SBI Aurum Credit Card is also accepted in other countries, where you can make purchases and payments, for it is also accepted wherever Visa is accepted.
What is the credit limit of the SBI Aurum Credit Card?
The credit amount you can spend is what you are provided with a SBI Aurum Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, then you can spend up to that amount only. In case you want to spend more than the limit, the bank would not consider spending over your credit limit.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an SBI Aurum Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the State Bank of India, i.e. www.sbi.co.in
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page you can see numerous options for credit cards issued by the State Bank of India; for instance, you will get an option to opt for SBI Aurum Credit Card.
- Just hover your cursor on SBI Aurum Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest State Bank of India branch to apply for the Credit Card.
- Request for the credit card application form of the SBI Aurum Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the SBI Aurum Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Card website, or mobile app or by calling their customer service.
- You would have to set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Will it be right to get an SBI Aurum Credit Card in 2025?
Yes, getting an Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry, and so on. On top of that, the bank provides discounts with easy access to the EMI facility.
The bank, SBI is also a strong bank with high customer service so it is dependable. But don’t forget, you should make sure that you can handle your credit responsibly in terms of time for paying the bills and keeping your credit from exceeding its credit limit. Provided that you are stable in terms of income, and you are in good credit, it might be a very good option in 2025.
Conclusion
In conclusion, the SBI Aurum Credit Card was designed to offer all the luxurious benefits to customers who believe in comfort, convenience, and exclusive privileges. It ranges from a high traveler reward scheme, and a wonderful shopping facility, to the exclusive lifestyle that you all may appreciate. From complimentary airport lounge access and concierge services to reward points on every purchase, the SBI Aurum Credit Card enhances your experience in so many ways.
This card is filled with rich features that make your daily transactions rewarding. You can earn enough reward points to redeem for miles for flights, shopping vouchers, or even cashback through its generous reward point system. The card also gives you protection with insurance coverage and awesome perks such as waiver of fuel surcharges, and reward discounts on luxury shopping.
Not only is this Credit Card very rewarding in terms of benefits but also has a stylish look about being a premium product in the card market. The combination of gold and black lends it that sophisticated and elegant look with which you would feel proud to carry with you. To get more information watch youtube videos.
Frequently Asked Questions (FAQ’s)
Ans: Yes, the card offers a fuel surcharge waiver at all fuel stations in India, making it a great option for frequent drivers.
Ans: Yes, large spending can easily be converted to EMI to be paid out in easy installments with the SBI Aurum Credit Card, which makes dealing with big money spending easier for anyone.
Ans: You could collect your gathered points and make some redemption choices over a good set of rewards such as air miles, gift cards, merchandise, or simply cash. Redeem points from the web platform or application through an SBI Card.
Ans: The interest on the SBI Aurum Credit card outstanding is based on the type of transaction done and the history of payment. One has to pay off the dues timely to avoid high interest charges.
Ans: You can monitor all your transactions, view statements, and check your reward points balance through the SBI Card mobile app or SBI Card online portal.