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SBI Aurum

🇮🇳 India · SBI Card

SBI Aurum

Name: SBI Aurum
Brand: SBI Card
Rating: 4.6 (50 reviews)

Invitation-only super-premium SBI metal card.

4.6 / 5

Joining fee

₹9,999

Annual fee

₹9,999

Top reward

Min income

₹3,500,000

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5-year value calculator

How much SBI Aurum actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹24,000

Annual fee−₹9,999

Welcome bonus (year 1 only)+₹10,000

Fee waiver triggers at ₹1,500,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹125,000 to clear it.

Cumulative net value

+₹80,005

over 5 years

Year 1

₹24,001

+₹24,001/yr

Year 2

₹38,002

+₹14,001/yr

Year 3

₹52,003

+₹14,001/yr

Year 4

₹66,004

+₹14,001/yr

Year 5

₹80,005

+₹14,001/yr

Year 1 (with bonus)

₹24,001

Year 2+ (steady state)

₹14,001/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

10,000 reward points + ₹10,000 brand voucher

What you get

4 reward points per ₹100 (~4% value)
Unlimited domestic + 6 international lounge visits/quarter
Concierge 24x7
Taj Inner Circle membership
2 free golf rounds/month

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹3,500,000

Min credit score

800+

Self-employed

Eligible

Points value

What 1 SBI Aurum point is actually worth

Best redemption is 7.2× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for SBI Aurum:

Singapore KrisFlyer transfer
Best

₹1.80/point

4 points = 1 mile. Decent ratio for premium tier.

SBI Rewardz portal

₹0.25/point

Generic vouchers — lazy redemption.

Statement credit

₹0.25/point

Sweet spots & gotchas

✓Premium positioning but mediocre per-point value. Lounge + concierge value is real.

Full SBI Aurum redemption deep-dive Run the points calculator

MatchYour SaaS · pays best on this card

Best SaaS to pay with the SBI Aurum

The SaaS subscriptions where SBI Aurum earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹5,48,573/yr.

Top match

Big forex win