M16S / State Bank of India (SBI Card) / SBI Card AURUM
super-premium · rewards, travel
SBI Card AURUM
The SBI Card AURUM costs Rs 9,999 a year, waived if you spend Rs 12,00,000 in a year. Its base return is 1% (4 RP per Rs 100). The forex markup is 1.99%. Lounge visits in India: 4 per quarter. Abroad: Unlimited via DreamFolks membership, plus 1 guest visit per quarter. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 9,999+ GST
- Fee waived at
- Rs 12,00,000annual spend
- Base return
- 1%
- Forex markup
- 1.99%
- Interest
- 3.75%a month
What changed on this card
- SBI Card to add 1% fee on transport above Rs 30,000, Dec 2026
From 1 Dec 2026 SBI Card charges 1% of the transaction amount on every transportation transaction above Rs 30,000 (MCCs 4111, 4784, 4131). Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card to add 1% fuel fee above Rs 50,000 a cycle, Dec 2026
From 1 Dec 2026, if fuel transactions in a billing cycle exceed Rs 50,000, SBI Card charges 1% on the total fuel spends. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card limits statement credit to multiples of 4,000 points, Apr 2026
From 1 Apr 2026 Reward Points for Statement Credit can be redeemed only in multiples of 4,000 Points, on all eligible cards except the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card caps statement credit redemption at 60,000 points, Apr 2026
From 1 Apr 2026 redemption of Reward Points for Statement Credit is capped at 60,000 Points per month on all eligible cards except Air India SBI Signature and the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises late payment charges from May 2026
From 1 May 2026 no charge applies up to Rs 100 due (was up to Rs 500). Rs 100 applies above Rs 100 up to Rs 500, and Rs 500 above Rs 500 up to Rs 1,000 (was Rs 400). Higher slabs are unchanged. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on wallet loads above Rs 1,000, Nov 2025
From 1 Nov 2025 SBI Card charges 1% of the transaction amount on every wallet load transaction above Rs 1,000. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on education payments via apps, Nov 2025
From 1 Nov 2025 a 1% fee applies to education payments made through third-party apps. Payments made directly to colleges or schools through their websites or POS machines carry no fee. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds Rs 200 cheque processing fee from Sep 2025
From 15 Sep 2025 a Cheque Processing Fee of Rs 200 applies to outstanding payments made by cheque. Payments by UPI, BBPS and NEFT stay free of extra charges. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on utility payments above Rs 50,000, Dec 2024
From 1 Dec 2024, if utility payments in a billing cycle add up to more than Rs 50,000, SBI Card charges a 1% fee on the total utility amount. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on digital gaming from Dec 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on Digital Gaming Platforms/Merchants from 1 Dec 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card raises finance charge to 3.75% a month from Nov 2024
From 1 Nov 2024 the rate of Finance Charges is 3.75% p.m. on all unsecured SBI credit cards, except Shaurya and Defense cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on government payments June 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on government related transactions from 1 Jun 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on rent payments from April 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on rent payments from 1 Apr 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Aurum drops physical DreamFolks card from March 2024
From 1 Mar 2024 SBI Card stops issuing a physical card for DreamFolks Membership. AURUM cardholders get the benefit through aurumcreditcard.com or the SBI Card mobile app. Source: SBI Card, sbicard.com, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 9,999 |
|---|---|
| Annual fee | Rs 9,999 |
| Annual spend that waives the fee | Rs 12,00,000 |
| Fee notes | Renewal fee reversed on Rs 12 lakh annual spend. |
Rewards
| Welcome benefit | 40,000 RP (about Rs 10,000); 1-year Club Marriott and Mint/WSJ digital subscriptions (issuer notice, Aug 2023) |
|---|---|
| Reward currency | Reward Points |
| Base earnunverified | 4 RP per Rs 100 |
| Base returnunverified | 1% |
| Point valueunverified | 4 RP = Re 1 (Rs 0.25 per RP) |
| Points expiry | No expiry (MITC) |
| Milestone benefitsunverified | Rs 1,500 Tata CLiQ voucher on Rs 1 lakh monthly spend; Rs 5,000 Tata CLiQ Luxury voucher at Rs 5 lakh annual spend; Rs 10,000 Taj voucher at Rs 10 lakh; Rs 20,000 Apple voucher at Rs 20 lakh |
| Reward notes | No redemption fee on AURUM (MITC; waived from 1 Aug 2022). base_return_pct = 4 RP per Rs 100 x Rs 0.25. Aggregator lists conversion options at 5 RP : 1 Maharaja Club point, 5 RP : 1 Club ITC Green point, 5 RP : 1 Avios, 4 RP : 1 AirAsia point. |
Transfers
| Partnersunverified | Air India Maharaja Club, Club ITC, Avios, AirAsia |
|---|---|
| Ratiounverified | 5 RP : 1 for Maharaja Club, Club ITC and Avios; 4 RP : 1 AirAsia (aggregator) |
Travel and perks
| Domestic loungeunverified | 4 per quarter |
|---|---|
| International loungeunverified | Unlimited via DreamFolks membership, plus 1 guest visit per quarter |
| Lounge conditions | DreamFolks physical card discontinued 1 Mar 2024; access through aurumcreditcard.com or app (issuer notice). |
| Forex markup | 1.99% |
| Fuel surcharge waiverunverified | 1% fuel surcharge waiver across fuel stations (limits not stated) |
| Other freebiesunverified | 4 BookMyShow tickets a month (Rs 250 each); 16 golf rounds and 12 lessons a year; airport spa once a quarter; concierge; flight-cancellation cover; Rs 10 lakh fraud cover. Removed over time: Amazon Prime, Discovery+, Zomato Pro, EazyDiner Prime, Lenskart Gold, bbstar, DLF Club. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026) |
| Cash advance fee | 2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one |
| Eligibilityunverified | Invite only; aggregator cites income of Rs 40 lakh a year or more |
| Fine-print notes | Card replacement costs Rs 1,500. Benefit fields are from an aggregator; fees, forex, expiry and redemption-fee waiver are from the issuer MITC and notices. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST. |
Questions
- What is the annual fee of the SBI Card AURUM?
- Rs 9,999 a year, before GST. It is waived if you spend Rs 12,00,000 in a year.
- Does the SBI Card AURUM give airport lounge access?
- Yes. In India: 4 per quarter. Outside India: Unlimited via DreamFolks membership, plus 1 guest visit per quarter. Conditions: DreamFolks physical card discontinued 1 Mar 2024; access through aurumcreditcard.com or app (issuer notice).
- What is the forex markup on the SBI Card AURUM?
- 1.99% of each foreign-currency transaction, before GST.