"SBI's super-premium metal card โ 40,000 welcome RPs worth โน10,000, unlimited international lounge, Club Marriott membership, 4 free movies monthly and Taj/Apple milestone vouchers"
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Quick Summary
๐ณ Joining Fee
โน9,999 + GST (invite-only)
๐ Renewal Fee
โน9,999 + GST
Waived: Annual fee waived on spending โน12 lakh or more in the preceding membership year
๐ฏ Best Suited For
Ultra-high-net-worth SBI Card customers who want premium metal card with unlimited international lounge, Taj and Apple milestone vouchers and luxury memberships; invite-only for select SBI Card customers
๐ Reward Type
AURUM Reward Points (1 ARP = โน0.25; redeemable for flights, hotels, vouchers, cashback via SBI Card portal; ARPs never expire as long as card is active)
๐ Welcome Benefit
40,000 AURUM Reward Points worth โน10,000 on payment of joining fee; complimentary 1-year Club Marriott membership; 1-year Wall Street Journal and Mint digital subscriptions; 1-year Inflection Point Venture (IPV) angel investor membership worth โน29,382
๐ฐ Reward Rate
4 AURUM Reward Points per โน100 on all eligible non-fuel spends (1% effective); milestone-based bonuses significantly improve effective rate for high spenders; excludes fuel, utilities, insurance, education, government, EMI, wallet, rent
โ๏ธ Lounge Access
Unlimited international airport lounge access at 1,000+ airports via DreamFolks with 1 free guest access per quarter; domestic lounge access (limited โ check current terms on SBI Card website); 1 complimentary spa session per quarter at select airports
๐ฑ Forex Markup
1.99% โ among the lowest in India for premium cards
40,000 welcome RPs (โน10,000 value) offsets first year fee
Unlimited international lounge access
Apple voucher โน20,000 on โน20L annual spend
Taj voucher โน10,000 on โน10L annual spend
Monthly Tata CLiQ โน1,500 voucher on โน1L spend
4 free movie tickets per month
16 golf rounds and 12 lessons per year
Club Marriott + WSJ + Mint memberships
Low forex markup 1.99%
Air accident cover โน3.5 crore
โ Cons
Invite-only โ not available for direct application
Base reward rate only 1% โ low for a โน10K fee card
No rewards on fuel, utilities, insurance, education, government
Statement credit redemption capped at 60K ARPs per month
High fee waiver threshold โน12 lakh
Card replacement fee โน1,500
๐ Rewards & Benefits
Reward Type
AURUM Reward Points (1 ARP = โน0.25; redeemable for flights, hotels, vouchers, cashback via SBI Card portal; ARPs never expire as long as card is active)
Welcome Benefits
40,000 AURUM Reward Points worth โน10,000 on payment of joining fee; complimentary 1-year Club Marriott membership; 1-year Wall Street Journal and Mint digital subscriptions; 1-year Inflection Point Venture (IPV) angel investor membership worth โน29,382
Reward Rate
4 AURUM Reward Points per โน100 on all eligible non-fuel spends (1% effective); milestone-based bonuses significantly improve effective rate for high spenders; excludes fuel, utilities, insurance, education, government, EMI, wallet, rent
Reward Redemption
SBI Card website or app: flights, hotels, vouchers, statement credit (1 ARP = โน0.25); capped at 60,000 ARPs per month for statement credit redemption (April 2026); ARPs never expire while card is active
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โน500 to โน4,000; maximum โน250 per statement cycle
Lounge Access
Unlimited international airport lounge access at 1,000+ airports via DreamFolks with 1 free guest access per quarter; domestic lounge access (limited โ check current terms on SBI Card website); 1 complimentary spa session per quarter at select airports
Spend Based Fee Waiver
Annual fee waived on โน12 lakh spend in previous membership year
Milestone Benefits
Monthly: Tata CLiQ Fashion voucher โน1,500 on spending โน1 lakh per month; Annual: Tata CLiQ Luxury voucher โน5,000 on โน5L spend; Taj Experience voucher โน10,000 on โน10L spend; Apple voucher โน20,000 on โน20L spend; annual fee waiver on โน12L spend
Other Benefits
16 complimentary golf rounds per year (4 per quarter) and 12 golf lessons per year; 4 complimentary movie tickets worth โน1,000 per month via BookMyShow; AURUM Secretarial Access (authorize secretary to interact with SBI Card on your behalf); 24x7 premium concierge; comprehensive travel insurance including flight cancellation cover; air accident cover โน3.5 crore; lost card fraud protection โน10 lakh
โจ Special Perks & Exclusive Offers
Memberships
Club Marriott, Wall Street Journal, Mint, Inflection Point Venture IPV (all 1 year complimentary)
Insurance Cover
Air accident cover โน3.5 crore; lost card liability/fraud protection โน10 lakh; travel insurance including baggage delay and missed connection; flight cancellation cover
Add-on Cards
Add-on cards for family (spouse, parents, children, siblings above 18)
Concierge Services
24x7 premium concierge; AURUM Secretarial Access
Special Offers
Monthly Tata CLiQ โน1,500 voucher on โน1L spend; Apple โน20K voucher on โน20L annual spend; Taj โน10K voucher on โน10L annual spend; 4 free movies monthly; 16 golf rounds yearly
๐ณ Fees & Interest Rates
Joining Fee
โน9,999 + GST (invite-only)
Annual Fee / Renewal Fee
โน9,999 + GST โ Waived on: Annual fee waived on spending โน12 lakh or more in the preceding membership year
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
โน100 to โน1,300 based on outstanding amount
Over Limit Charges
2.5% of overlimit amount, minimum โน500
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.99% โ among the lowest in India for premium cards
Other Charges
Invite-only โ cannot apply directly; card replacement fee โน1,500; no rewards on fuel, utilities, insurance, education, government; statement credit redemption capped at 60,000 ARPs per month from April 2026; base reward rate 1% is low for a โน10K fee premium card
๐ Eligibility & Credit Limit
Eligibility Criteria
Invite-only for select SBI Card customers; minimum annual gross income typically โน24 lakh+; strong credit history; high existing spend on SBI cards
Credit Score Requirement
750+ CIBIL recommended; invite-based
Credit Limit
High credit limit โ typically โน5 lakh and above
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Flexipay on transactions above โน2,500; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via SBI Card app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
โน10 lakh lost card fraud protection
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions
๐ Customer Service & Digital Experience
Phone Support
39 02 02 02 or 1860 180 1290 (prefix STD); 24x7
Chat / Email Support
Chat via SBI Card app; ILA chatbot; email: customercare@sbicard.com
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