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SBI Card AURUM
SBI • MasterCard

SBI Card AURUM

Top-tier SBI premium card with lounge, golf, and lifestyle privileges.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹9999Waived on INR 12L annual spends
Base Reward1.0%On all spends
Lounge Access1913 domestic • 6 intl
Est. Annual Savings₹-7,539Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹9,999

Waived on INR 12L annual spends

Net value₹6,399

Estimated cost after fees.

Fee waiver target: ₹12,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
4.0%
Online
2.0%
Basedefault
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • SBI Card AURUM is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 19, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 9,999 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹9,999
  • Annual fee₹9,999
  • Waiver threshold₹12,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count13
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows19
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+23 more lounge visits in current datasetEstimated +₹10,359/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+11 more lounge visits in current datasetEstimated +₹9,751/yr value
View Details
Step 3

Club Vistara SBI Card PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+11 more lounge visits in current datasetEstimated +₹6,720/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI Card AURUM using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify issuer-side spend thresholds, card eligibility, and visit caps before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

19 airport lounge rows
View lounge map and location list19 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
TheDomestic

AHM • Ahmedabad Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BlrDomestic

BEN • Bengaluru Airport • Terminal 1

Chennai

2 lounges • 1 domestic • 1 international

2
TravelDomestic

CHE • Chennai Airport • Terminal 1

TravelInternational

CHE • Chennai Airport • Terminal 2

Goa

1 lounges • 1 domestic • 0 international

1
EncalmDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
EncalmInternational

HYD • Hyderabad Airport • Terminal 1

EncalmDomestic

HYD • Hyderabad Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
EarthDomestic

KOC • Kochi Airport • Terminal 1

EarthInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
TravelDomestic

KOL • Kolkata Airport • Terminal 1

TravelInternational

KOL • Kolkata Airport • Terminal 2

Mumbai

3 lounges • 2 domestic • 1 international

3
AdaniDomestic

MUM • Mumbai Airport • Terminal 2

LoyaltyInternational

MUM • Mumbai Airport • Terminal 2

TravelDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

4 lounges • 3 domestic • 1 international

4
EncalmDomestic

NEW • New Delhi Airport • Terminal 1

EncalmDomestic

NEW • New Delhi Airport • Terminal 2

EncalmDomestic

NEW • New Delhi Airport • Terminal 3

EncalmInternational

NEW • New Delhi Airport • Terminal 3

Pune

1 lounges • 1 domestic • 0 international

1
EarthDomestic

PUN • Pune Airport • Terminal 1

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Premium domestic and international lounge access stack
  • Strong milestone and lifestyle benefit bundle
  • Higher service tier with concierge and travel support

Things to Consider

  • Very high annual fee
  • Reward value depends on redemption channel
  • Premium benefits can be revised by issuer policy updates

About SBI Card AURUM

SBI Card AURUM is a points card from SBI, best for high-income users who value premium travel and lifestyle benefits. It is tagged under premium, travel, international, rewards, lifestyle categories in our database.

PremiumTravelInternationalRewardsLifestyle

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Frequently asked questions

Is SBI Card AURUM lifetime free?

It has an annual fee of ₹9999. Waived on INR 12L annual spends

What rewards does SBI Card AURUM offer?

Top-tier SBI premium card with lounge, golf, and lifestyle privileges.

Does SBI Card AURUM include lounge access?

SBI Card AURUM lists 19 lounge visits (13 domestic, 6 international).

Who should consider SBI Card AURUM?

High-income users who value premium travel and lifestyle benefits

Where can I apply for SBI Card AURUM?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.