SBI Card · Super-premium

SBI Card AURUM

Annual fee

₹9,999

Forex markup

1.99%

Base earn

1.00%

Best direct earn

normal swipe, portal/voucher excluded

1.00%

Point value

per point, conservative

₹0.25

Lounge

Network

Not published

AURUM SBI Card sbicard.com · read 25 Sep 2026

Every figure on this page traces to one of these. Nothing is inferred from a tracker.

Bank-confirmed. Reward figures verified against the issuer’s own website.
Card source: AURUM SBI Card - sbicard.com - read 25 Sep 2026.
No affiliate link on this card.

Where it ranks across all 187 cards

#11 Wallet load 1.0% direct #15 EMI 1.0% direct #17 Education 1.0% direct

#23 Insurance 1.0% direct #28 Utility bills 1.0% direct #36 Jewellery & watches 1.0% direct #43 Gaming 1.0% direct #47 Mobile / broadband 1.0% direct #55 Train tickets 1.0% direct #59 Cabs & transit 1.0% direct #60 Other 1.0% direct #62 Health & pharmacy 1.0% direct #65 Electronics 1.0% direct #73 Hotels 1.0% direct #74 Fashion 1.0% direct #75 Flights 1.0% direct #75 Movies & events 1.0% direct #76 Online shopping 1.0% direct #77 Groceries 1.0% direct #77 Food delivery 1.0% direct #81 Dining out 1.0% direct #12 Government / tax 0.1% direct

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Engine value - conservative, what rankings use

₹0.25/pt

1.00%

Vouchers / catalogue

₹0.25/pt

1.00%

Points valued at ₹0.25/pt - conservative, what rankings use

Reward rules1 direct

Base rate - everything not covered below

1.00%base rate

4 pts / ₹100

source

Source: AURUM SBI Card - sbicard.com - read 25 Sep 2026

Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.

₹1,00,000 / month

Rs 1,500 voucher on reaching Rs 1 lakh spend in a month

₹1,500estimated value

₹5,00,000 / year

Rs 5,000 voucher on Rs 5 lakh annual spend

₹5,000estimated value

₹10,00,000 / year

Rs 10,000 voucher on Rs 10 lakh annual spend

₹10,000estimated value

₹12,00,000 / year

Rs 9,999 voucher on Rs 12 lakh annual spend

₹9,999estimated value

₹20,00,000 / year

Rs 20,000 voucher on Rs 20 lakh annual spend

₹20,000estimated value

₹0 / year

Get 40,000 AURUM Reward Points equivalent to Rs 10,000 on payment of first annual fee

₹10,000estimated value

Earns nothing on1 exclusion

Fuel

earns nothing

Reward points are earned only on non-fuel spend; fuel gets a 1% surcharge waiver instead.

→ use IndianOil RBL XTra here (7.5%)

detail & source

categories: Fuel

Source: AURUM SBI Card site - sbicard.com - read 25 Sep 2026

40,000 AURUM Reward Points equivalent to ₹10,000

on joining · pay the first annual fee