SBI Aurum Credit Card Apply – Review, Details & Benefits: In today’s article, I will tell you about SBI Aurum Credit Card, such as what is SBI Aurum Credit Card, how to apply, what are the benefits, what can be the disadvantages, Apart from this, we will also provide information like eligibility criteria, documents etc. of this credit card, so let us know in detail about SBI Aurum Credit Card.
In this era of online credit card has arrived, most of us know that a credit card is a card issued by the bank, with the help of which the bank offers you some credit limit, which you can pay in monthly installments. Can increase your credit score.
SBI Aurum Credit Card
SBI Aurum Credit Card is an all-rounder super-premium credit card launched by SBI Card that offers higher credit limit than other credit cards. This credit card can prove to be the most effective credit card especially for people with high net worth, businessman, builder etc.
This card can be used appropriately for travel, business, shopping, dining, lounge access etc.
SBI Bank will offer this card to some of its selected customers through offer invitation, if your credit score is good, and you pay the credit bill on time, then you can get this credit card.
SBI Card has created a special website for this card (aurumcreditcard.com) where you can log in to view your eligibility criteria, all relevant information and latest ongoing offers.
SBI designed Aurum Credit Card with a metal body that has curated privileges, this credit card is specially designed for high net worth individuals.
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SBI Aurum Credit Card Details
Some important information about SBI Aurum Credit Card is mentioned in the table below.
| Card Type | Premium |
| Eligibility | Invite-only |
| Welcome Benefit | 40,000 bonus reward points worth Rs. 10,000 |
| Joining Fee / Renewal Fee | Rs. 10,000 + GST (waived off on spending Rs. 12 lakh in a year) |
| Best Suited For | Rewards and Travel |
Required Documents for SBI Aurum Credit Card
SBI Bank Aurum Credit Card is a credit card designed for high class people in India, where the credit card limit is also higher than other cards. And cashback offers are also available, the following documents will be required to take this card.
- Aadhar Card
- Pan Card
- Pay Slip/ ITR Slip
- Latest 6 Month Bank Statement
- Legal Income Proof
- Govt. Approved Address Proof etc.
Note: SBI Bank can ask for other documents according to its demand, so you have to keep this in mind as well.
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The following terms and conditions are eligibility for taking SBI Aurum Credit Card , if you follow these terms and conditions then you can get a credit card.
SBI Aurum Credit Card Eligibility
Eligibility For Salaried
If the applicant is a salaried person and his age is more than 21 years, then he can apply for this credit card, but here the applicant’s gross income should be more than Rs 400000.
Eligibility For Self-employed
If the applicant is a self-employed person and his age is more than 25 years, then he can apply for this credit card, but here the gross income of the applicant should be more than Rs 400000.
- For this credit card, the applicant should have address proof , identity proof , KYC documents approved by the Government of India .
- The credit score of the applicant should be good.
Note : The Bank reserves the right to change the eligibility criteria for the Credit Card from time to time without any prior notice.
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SBI Aurum Credit Card Credit Limit
SBI Bank Aurum Metal Credit Card has an initial credit limit of ₹ 1 lakh, maximum can exceed ₹ 10,00,000 where the bank determines the credit limit offered to the cardholder on a number of factors
Which can include credit history, credit report, your credit score as well as your past and ongoing loans, on timely payment of credit bills, credit score increases.
SBI Aurum Credit Card Fees And Charges
For SBI Bank Aurum Credit Card, you have to pay some fees and charges which are shown in the table below.
| Fees / Charges | Amount |
| Annual Fee (one time) | Rs. 10,000 |
| Renewal Fee (per annum) | Rs. 10,000 |
| Finance Charges | Up to 3.50% per month [42% per annum] |
| Late Payment Fee |
|
Note : While taking this card, keep in mind that its joining fee, and annual fee is ₹ 10000 which is much higher than other credit cards, so while taking the card, there are fees of charges, terms of condition
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Apart from this, it should also be known about its use, if once you use the credit limit, then it should also be known about filling it. Because many types of charges may have to be paid for not paying on time.
SBI Aurum Credit Card Benefits
This is a premium credit card offered by SBI Bank, which can be used for travel purposes, the main features of this card are as follows.
With SBI Aurum Credit Card, you can get Entertainment, Dining & Lifestyle membership kala where you can also get membership account like Amazon Prime, Discovery Plus, Zomato Pro (Domestic), EazyDiner Prime, BB Star (6 months), Lenskart Gold etc. Are available which you can use.
- With this card you can book air tickets, there is no charge for cancellation of air tickets.
- If you take a transaction of Rs 12,00,000 in 1 year, then the joining fee of ₹ 10000 is waived off.
- This credit card comes with a metallic body, which reduces the risk of card breakage.
- SBI Aurum card holders can get 4 movie tickets free of cost if you can book tickets through BookMyShow and all offers here at ₹1000 per month.
- This card can be used internationally.
Read Also: IDFC First Millennia Credit Card
Disadvantages of SBI Bank Aurum Credit Card.
- Failure to pay on time may result in various fees and charges.
- Credit cards are available sooner than loans, so many times you have to repent later on using it unnecessarily.
- On crossing the limit, the bank can send a legal notice to you.
- Credit card is a kind of borrowed money where you have to pay charges like interest rate, joining fee, annual fee.
Note : If you do not need money then you should not take credit card, if you do not need money then you should not take credit card, because if you have taken credit card then you will have to pay many types of charges. Therefore, whenever you take a credit card, think carefully.
How to Apply SBI Aurum Credit Card?
SBI Aurum Credit Card is currently issued to the customer on an invitation only basis. An upgrade offer is being run by SBI Cards and sent by them to existing customers with great credit history.
Although, you can apply for the card through SBI net banking or by visiting the Aurum website, here we have listed some ways where you will be able to apply for SBI Aurum credit card.
Official Website
You can check the eligibility criteria by entering your personal information by logging in to the SBI Aurum Credit Card through the official website (Aurumcreditcard.com), this credit card is offered by SBI Bank through an Invitation Credit Limit offer,
After this you can apply online, if you are eligible for SBI Aurum Credit Card then you will get it with good credit limit.
Visit Branch
If your annual income exceeds 40 lakhs, then you can get SBI Aurum Credit Card by submitting your KYC documents, address proof, income proof, etc. documents to your nearest SBI branch.
How to apply for SBI Aurum Credit Card?
Step 1. To apply for SBI Aurum Metallic Credit Card, you can follow the steps mentioned below.
Step 2. First of all open Aurumcreditcard.com
Step 3. After filling your user ID and password, you can apply for this credit card.
Note: There is an option to apply this card through an invitation from the bank itself, if you spend more than ₹ 1000000, and deposit the credit card bill on time, then you can get this credit card.
Keep in mind: If you use the credit card properly then it can prove to be effective for you, otherwise it does not delay in turning your happines
SBI Aurum Credit Card Alternative Card 2023
Here we have told about some other bank credit cards, which come with the same offer as SBI Bank Aurum Credit Card, you can also apply for these credit cards, for which the eligibility criteria, terms of condition are different. -Differently, you can choose the right credit card from the table shown below.
| credit card | Annual Fee (Excluding Taxes) | Premium Highlight | Eligibility Criteria* |
| HDFC Bank Infinia | Rs. 10,000 | Unlimited free golf games at select courses worldwide. | By Invitation Only |
| HDFC Bank Diners Club Black | Rs. 10,000 | Annual Memberships (MMT DoubleBlack, Club Marriott, etc.) | Minimum Income: 1.75 lakh per month |
| ICICI Bank Emerald | Rs. 12,000 | Unlimited Lounge Access No over the limit, cash withdrawal, or late payment charges | Minimum Income: Rs. 3 lakh per month orICICI Bank Global Private Client |
| SBI Card ELITE | Rs. 4,999 | Free Memberships (Club Vistara, Priority Pass, etc.) | Minimum Income: Rs. 60,000 per month |
| American Express Platinum Reserve | Rs. 10,000 | Hotel Privileges at Taj hotels and Preferred Hotels & Resorts | Minimum Income: Rs. 6 lakh per annum |
| Standard Chartered Ultimate | Rs. 4,999 | Get access to select golf courses in India and 150 courses worldwide | Minimum Income: Rs. 2 Lakh per month |
| YES First Exclusive | Rs 9,999 | Unlimited Priority Pass access | Minimum Income: Rs. 4 lakh per month |
Sbi Aurum Credit Card Customer Care Number
If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of SBI Bank, apart from this you can also get the solution through live chat on the official website.
- Contact Us: 1800-112-211 or 1800-425-3800
- Official Website: Click here
Conclusion : SBI Aurum Credit Card Review
In this article I have told what is SBI Aurum Credit Card , how can apply , fees and charging of this credit card, advantages, disadvantages, some important questions related to credit card have been provided. If you travel a lot, and you have to go international, then you can apply for this card. Where discounts and offers are available on almost every transaction.
Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- year, do not share personal information with anyone.
FAQ’s on SBI Aurum Credit Card
Q1. How to apply for SBI Aurum Credit Card?
Ans. SBI Aurum is an invitation-only credit card. If you are interested in this card, you can log in to SBI Net Banking or visit the SBI Aurum website. You can check your eligibility criteria by filling your personal details, if you are eligible then you will get this credit card.
Q2. Can SBI Aurum turn out to be profitable?
Ans. You can consider this card if it offers premium benefits on travel, shopping etc. where one can avail benefits up to ₹ 10000. However, you can make the most of it if you are going to use it as your primary credit card.
Q3. What is the joining fee and annual fee for SBI Aurum Credit Card?
Ans. You have to pay a processing fee of 10,000 to join for SBI Aurum Credit Card. Apart from this, if you do a transaction of 12,00,000 in 1 year with this card, then you are waived the annual fee of ₹ 10000. Here some charges will have to be paid on late payment of credit card, partial payment etc.