SBI Card AURUM 2025
Save over ₹80,000+ every year with unlimited lounges, luxury vouchers & high travel rewards!
If you travel frequently and want premium lifestyle benefits, SBI Card AURUM is perfect super-premium card!
You get unlimited lounge access worldwide via Priority Pass, 4X reward points on travel, 2X on other spends, ₹10,000 welcome vouchers (Taj/Kimil/Reliance), 6 complimentary golf rounds/month, and ₹1 Crore air accident cover.
Perfect for high-spenders who value luxury travel experience!
Why This Is The Best Super-Premium Lifestyle Card in 2025?
Unlimited lounges worldwide • 4X travel points • ₹10,000 vouchers • Priority Pass • 6 golf rounds/month • ₹1 Cr insurance • Movie offers
Best for: Frequent travelers, luxury shoppers (₹1L+/month spend), golf lovers
No Fee Waiver – ₹10,000 Annual Fee (Non-waivable)
Card At a Glance
₹10,000 + GST
₹10,000 + GST
4 Points/₹200 Travel | 2 Points/₹200 Others
₹10,000 Vouchers
Unlimited Domestic + International
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹10,000 + GST |
| Annual Fee | ₹10,000 + GST |
| Welcome Benefit | ₹10,000 Vouchers on first transaction |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (₹500–₹3,000 txn, max ₹250/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 4 Reward Points per ₹200 (2% return) on travel (flights, hotels, buses)
- 2 Reward Points per ₹200 (1% return) on all other retail spends
- 10X Points on birthdays (limited period)
- 1 Point = ₹0.25 (vouchers) | 1:1 airline miles transfer
- No rewards on fuel, rent, wallet loads, insurance, jewellery
Airport Lounge Access
Unlimited domestic for primary + add-on cardholders
Unlimited international via Priority Pass (1300+ lounges)
No spend requirement • Guest visits included
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- ₹25,000 lost card liability
- 6 complimentary golf rounds/month
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounges worldwide | ₹10,000 fee (no waiver) |
| 4X travel points + Priority Pass | Low 2% base rewards |
| ₹10,000 welcome vouchers | High 3.5% interest rate |
| 6 golf rounds/month | No fuel surcharge waiver |
| ₹1 Cr air accident cover | High eligibility criteria |
| Movie & dining discounts |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹20 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select AURUM Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
Perfect for frequent travelers! ₹70,000+ annual value from unlimited lounges, vouchers & golf perks. Great if you spend ₹1L+/month on travel, but skip if you want fee waiver or higher base rewards.
Frequently Asked Questions (FAQs)
Is the fee waived?
No, ₹10,000 annual fee is non-waivable.
How to get unlimited lounges?
Automatic via Priority Pass for domestic + international lounges.
What vouchers do I get?
₹10,000 Taj/Kimil/Reliance vouchers on first transaction.
Do points expire?
Yes, 3 years from earning date.
Any exclusions?
No rewards on fuel, rent, wallet loads, insurance.