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SBI Card

SBI Aurum

VisaSuper-PremiumPoints
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Annual Fee

₹4,999

Reward Type

Points

Forex

1.99%

Lounge

8 dom · 4 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹4,999
Annual Fee₹4,999(waived ≥ ₹10,00,000)
Min Monthly Income₹2,00,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

dining5%(cap ₹5,000)travel5%(cap ₹5,000)

Redemption Values

flights₹0.5/pt
statement credit₹0.25/pt
gift vouchers₹0.5/pt

Milestones

Spend ₹5L in first 90 days10,000 bonus reward points (one-time)

Travel & Global

Forex Markup1.99%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkVisa

Lounge Details

No minimum spend for domestic lounge access. International requires active card.

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

HDFC Diners Club Black (99%) →AU Zenith+ (99%) →Yes Marquee (99%) →IndusInd Pinnacle (99%) →HDFC Infinia Metal (98%) →

💡 Fee Waiver Strategy

Spend ₹10L/year to waive renewal. Joining fee offset by 5,000 welcome points.

⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 1.5%, you need to spend ₹3,33,267 annually.

🎯 Pro Tips

  • ▸Use for dining and travel spend to earn 5x points - effectively 1.25% return.
  • ▸Transfer points to Air India for better per-point value on premium cabin bookings.
  • ▸Pair with SBI SimplyCash for everyday spend and Aurum for premium categories.

📊 Spending Scenarios - Real-World Returns

Premium Spender (₹80k/mo)

Monthly: ₹80,000 · Annual: ₹9,60,000

1.88%
Effective Return
dining: ₹20,000/motravel: ₹25,000/moshopping: ₹15,000/moother: ₹20,000/mo
Annual Rewards Value₹18,000
After Fee (₹4,999)+₹13,001

5x on dining+travel, 1.5% base on rest. Fee subtracted.

🔄 Redemption Pathways - Value per Point

MethodValue
Flight RedemptionBEST₹0.50/pt
Statement Credit₹0.25/pt

🏷️ Best For

premiumtraveldining