Verified — 16/16 categories
SBI
SBI Card AURUM
Best forEducation & Insurance
Earns4 RP/₹100 on education
1st Year / Joining Fee
₹9,999 + taxes
Renewal Fee
₹9,999 + taxes
charged every year for SBI Card AURUM
Fee waiver
₹12,00,000
annual spend
Network
Not recorded
SBI
SBI Card AURUM
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on education and insurance, where it earns 4 RP/₹100
- Annual fee is waived at ₹12,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Education4 RP/₹100
Insurance4 RP/₹100
Utilities4 RP/₹100
Groceries4 RP/₹100
Dining4 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on educationDetails
|
| Insurance | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on insuranceDetails
|
| Utilities | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on utilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on groceriesDetails
|
| Dining | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on diningDetails
|
| Food Delivery | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on food deliveryDetails
|
| Shopping | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on shoppingDetails
|
| Travel | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on travelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on railwaysDetails
|
| FASTag | No reward | — | —Details
|
| Jewellery | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on jewelleryDetails
|
| Telecom | 4 RP/₹100 | — | 4 ARP / ₹100 (1.00%) on telecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹9,999 + taxes
Renewal Fee
₹9,999 + taxes
charged every year for SBI Card AURUM
Fee waiver
₹12,00,000
annual spend
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Spending thresholds
- Spend ₹1,00,000 per month → Monthly milestone: ₹1,500 Tata CliQ luxury voucher on reaching ₹1,00,000 monthly spend (₹18,000 annualized value)
- Spend ₹5,00,000 per card year → Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 luxury gift voucher
- Spend ₹10,00,000 per card year → Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Taj luxury hotel voucher
- Spend ₹12,00,000 per card year → annual fee waived
Key benefits
Rewards
4 RP/₹100 on education
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹250/month
Foreign-currency markup
1.99% foreign-currency markup — Charged on every foreign-currency transaction (SBI Card AURUM)
Milestone benefit
Monthly milestone: ₹1,500 Tata CliQ luxury voucher on reaching ₹1,00,000 monthly spend (₹18,000 annualized value)
Milestone benefit
Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 luxury gift voucher
Fee waiver
Annual fee waived on ₹12,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Fuel, Government, Wallet +1 more
- Spend ₹1,00,000 per month → Monthly milestone: ₹1,500 Tata CliQ luxury voucher on reaching ₹1,00,000 monthly spend (₹18,000 annualized value)
Who should consider this card
✓ Good fit if
- Your spending is concentrated in education, insurance, utilities
- You can reach the ₹12,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, government, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 5 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- FASTag — No reward.
Milestones · 4 recorded
- Spend ₹1,00,000 per month → benefit worth ₹18,000 — Monthly milestone: ₹1,500 Tata CliQ luxury voucher on reaching ₹1,00,000 monthly spend (₹18,000 annualized value).
- Spend ₹5,00,000 per card year → benefit worth ₹5,000 — Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 luxury gift voucher.
- Spend ₹10,00,000 per card year → benefit worth ₹10,000 — Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Taj luxury hotel voucher.
- Spend ₹12,00,000 per card year → benefit worth ₹9,999 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.12 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹250/month.
- Foreign-currency markup: 1.99% foreign-currency markup — Charged on every foreign-currency transaction (SBI Card AURUM). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹9,999 plus applicable taxes, charged every year for SBI Card AURUM
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee ₹1,500 for AURUM
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-10-08
Verification coverage: All 16 categories verified
Card record last checked: 2026-10-08
Documents used
Official AURUM terms, ₹1L monthly milestone voucher, annual milestones, fee waiver · SRC-SBI-AURUM-SCHEDULE
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08