How to know the available deals and offers on the SBI Aurum credit card?

You can check the available offers on the Aurum credit card by visiting the offers page of SBI, or click here. SBI launches offers on dining, electronics, apparel, etc., here, and you can choose your preferred one.

What to do if I forget the credentials for my SBI Aurum credit card?

Open the SBI credit card app and choose ‘Forgot My Login Details’ to reset your login credentials.

What is the Flexipay EMI option of the Aurum credit card by the SBI?

This option lets you convert your purchase of ₹2500 or more into easy EMIs. However, you must convert a purchase within 30 days.

How much grace period do I get for overdue payments on the Aurum credit card?

You get a grace period of up to 50 days for repayment or clearing your credit card dues on this card.

How to claim rewards against the accumulated points on an Aurum credit card?

Head to the rewards page of the SBI Aurum credit card or click here and redeem your reward against flight bookings, hotels and other categories.

SBI Aurum Credit Card in 2025: Benefits, Charges, Eligibility Criteria

Name: SBI Aurum Credit Card
Brand: Credit Card
Rating: 4.9 (13308 reviews)

In 2025, India surpassed the milestone of an impressive 111 million active credit cards. Among them, the SBI Aurum Credit Card excels in the premium card category with elite and luxury rewards, exclusive memberships and value-based perks.

Designed for high-value lifestyles, it goes beyond everyday rewards by delivering comprehensive travel, dining, and lifestyle benefits, making it one of the most sought-after premium credit cards in the country.

Rewards and Benefits on SBI Aurum Credit Card

Type of Rewards and Benefits	Description
Welcome Bonus	You will get 40,000 reward points on this card, which is equivalent to ₹ 10,000.
Airport Lounge Access	Avail 4 domestic lounge access across Indian airports every quarter.
Airport Lounge Access	Get unlimited lounge access across 1000+ international airports around the globe. Also, avail a complimentary visit for a guest once a quarter.
Movie Tickets	Enjoy 4 movie tickets of up to ₹1,000 every month on BookMyShow.
Exclusive Membership	Get a complimentary membership to Club Marriott for 1 year.
	Avail the exclusive digital subscription of Mint and the Wall Street Journal for 1 year.
	Get exclusive access to the angel investment platform Inflexion Point Venture (IPV) worth ₹29,382 for free for 1 year.

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Additional Benefits of the SBI Aurum Credit Card

Annual Fee Waiver: Spend ₹12 lakh or more on this card in a year and waive off your annual credit card fees.
Low Foreign Currency Transaction: Enjoy the add-on benefit of a low foreign currency transaction at 1.99%.
Refundable and Non-Refundable Coverage: Enjoy flight cancellation protection with ₹3,500 coverage on both refundable and non-refundable tickets on this card.

Applicable Charges on SBI Aurum Credit Card

Take a look at the SBI Aurum credit card fees, such as joining and annual charges, interest rate, penalty charges, etc., and match with your affordability:

Types of Card Charges	Description
Joining and Annual Fee	₹9,999 with applicable GST
Monthly Finance Charge or Interest Rate	3.75%
Cash Advance Limit and Fee	You can withdraw a maximum of ₹15,000 per day. Applicable fee is 2.5% on the withdrawn amount of ₹500 (whichever is higher).
Finance Charge on Cash Advance	3.75% per month
Overlimit Charges	2.75%
Applicable Fees for International Transactions	1.99%
Late Payment Fees	You do not need to pay any charges for an outstanding amount of up to ₹500
	For outstanding balances between ₹501 and ₹1000, a ₹400 penalty applies.
	You must pay ₹750 for a due between ₹1001 and ₹10,000.
	Pay a penalty of ₹950 for a due amount between ₹10,001 and ₹25,000.
	A penalty of ₹1100 applies if your outstanding balance is between ₹25001 and ₹50,000.
	Pay ₹1300 for a due beyond ₹50,000.

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Eligibility Criteria to Apply for SBI Aurum Credit Card

Being a premium credit card, the SBI Aurum credit card eligibility depends on a higher income, along with age limits:

Minimum Income: You must have a gross annual income of ₹40 lakh or more to be eligible for this card.
Age Criteria: If you are a salaried individual, your minimum age must be 21 years. For self-employed individuals, the minimum age is 25 years.
Credit Score: You must have a minimum credit score of 750 or more to apply for this card.

Documents You Need to Apply for an SBI Aurum Credit Card

Proof of Identity	Produce a copy of one of these documents: Aadhaar Card, PAN card, Driving licence, etc.
Proof of Address	Provide a copy of your Voter ID card, Passport, Utility bills, etc.
Income Proof	Provide one or two recent salary slips or your last 3 months’ bank statement as income proof. Alternatively, you can also submit a copy of your Form 16.

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