Aurum Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: SBI Card
Network: Visa | Tier: Premium
4 RP per ₹100 spent (1% return), 40k points welcome bonus, movie tickets and golf perks
Why Choose the Aurum Credit Card?
The Aurum Credit Card is a Premium-tier Visa credit card issued by SBI Card, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Premium lifestyle and milestone spenders. With a reward rate of 4 Reward Points per ₹100 spent on all transactions (1 RP = ₹0.25) and an annual fee of ₹9,999, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with 40,000 Reward Points (worth ₹10,000) upon fee payment, which adds immediate value in the first year and helps recover the ₹9,999 joining fee.
Aurum Credit Card Fees & Charges
| Annual Fee | ₹9,999 |
|---|---|
| Joining Fee | ₹9,999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 1.99% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions from ₹500 to ₹5,000 |
Aurum Credit Card Rewards & Benefits
| Reward Rate | 4 Reward Points per ₹100 spent on all transactions (1 RP = ₹0.25) |
|---|---|
| Welcome Bonus | 40,000 Reward Points (worth ₹10,000) upon fee payment |
| Lounge Access | Unlimited international lounge access via DreamFolks (+1 guest/quarter), 16 domestic lounge visits/year (4/quarter) |
| Best For | Premium lifestyle and milestone spenders |
Key Highlights of the Aurum Credit Card
- 4 RP per ₹100 spent (1% return), 40k points welcome bonus, movie tickets and golf perks
- 4 Reward Points per ₹100 spent on all transactions (1 RP = ₹0.25)
- Unlimited international lounge access via DreamFolks (+1 guest/quarter), 16 domestic lounge visits/year (4/quarter)
- Travel insurance, luggage cover, and flight cancellation protection up to ₹3,500
- Milestone gift vouchers on spending ₹5 Lakh, ₹10 Lakh, and ₹20 Lakh annually
Aurum Credit Card Eligibility Criteria
- Age: Invite-only years
- CIBIL score: 750+
- Minimum income: ₹24,00,000/year
Minimum Income Required: ₹24,00,000/year
Advantages of the Aurum Credit Card
- Excellent welcome bonus
- unlimited international lounge access
- BOGO movies and spa access
Drawbacks of the Aurum Credit Card
- Invite-only
- relatively low base reward rate (1%) for a super-premium card
Aurum Credit Card — Frequently Asked Questions
What is the annual fee of the Aurum Credit Card?
The Aurum Credit Card has an annual fee of ₹9,999 and a joining fee of ₹9,999. New cardholders receive 40,000 Reward Points (worth ₹10,000) upon fee payment as a welcome benefit, which helps offset the joining cost.
Does the Aurum Credit Card offer airport lounge access?
Yes — the Aurum Credit Card offers Unlimited international lounge access via DreamFolks (+1 guest/quarter), 16 domestic lounge visits/year (4/quarter).
Who is eligible for the Aurum Credit Card?
The minimum income requirement is ₹24,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Aurum Credit Card?
The Aurum Credit Card earns 4 Reward Points per ₹100 spent on all transactions (1 RP = ₹0.25). It is best suited for Premium lifestyle and milestone spenders.
Credit Cards Similar to the Aurum Credit Card
If you are considering the Aurum Credit Card, these super premium credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
Expert Rating: 4.6/5