Kirti Bhargav
Come across SBI Aurum Credit Card and thinking of whether taking this credit card will be beneficial or not. You can avail of this credit card at Rs. 10,000 plus applicable. However, it is a super-premium credit card and it is offered by SBI card through an invite. Only a few loyal customers who have maintained a good standing account over a long period get the invite to the SBI Aurum Credit Card. Without any further ado, here are the features and benefits of this credit card.
- Welcome Benefits: The credit cardholder on this credit card gets to enjoy 40,000 bonus reward points and a 6-month complimentary membership to Zomato Pro, Eazydiner Prime, Amazon Prime, and so on as a welcome offer.
- Reward Rate: With this credit card you can earn 4 reward points on every Rs. 100 spent on all the spend categories. Knowing the rewards program will help you to maximise the benefits of your credit card.
- Movie & Dining Benefits: Under the complimentary membership to Zomato pro and Eazydiner Prime you can save on dining bills with the Aurum credit card. You also get to enjoy the movie benefits on this credit card as you get 4 movie tickets from BookMyShow.
- Travel Benefits: You can enjoy 4 complimentary domestic lounge access and unlimited international lounge access with the Dreamfolks Lounge program membership with this credit card under the travel benefits.
- Spend-Based Waiver: On spending of Rs. 12 lakhs in the previous year helps you to avoid the payment of annual fees on your credit card. Receiving the spend-based waiver helps you to enjoy the credit card benefits and features free of cost.
- Reward Redemption: With the Aurum Credit Card you can easily redeem your accumulated reward points for purchasing gift vouchers, hotel/flight booking, and much more using the Aurum Rewards Portal. While redeeming the reward points you will be charged with the redemption of Rs. 99.
- Other Benefits: Apart from the above-mentioned features and benefits, the SBI also provides you with low foreign markup fees of 1.99% of the transaction amount, 1% fuel surcharge waiver at all fuel stations across India, an add-on credit card facility, net banking services, customer care support services, etc.
Bottom Line:
To summarise, credit cards by SBI are rewarding no doubt like this Aurum credit card is. Being a super-premium credit card, allows you to earn so many benefits. You can enjoy shopping benefits along with other benefits like travel, movie, and dining. However, you need to identify your needs and spending before applying for this credit card to know whether it matches your needs and spending habits or not. Having the right credit card is the only way through which you can maximize the benefits of your credit card.
Keep two things in mind while using a credit card, you need to keep your credit card dues clear and maintain a low credit utilization ratio. Maintaining a good standing account and a good credit score will only going to help you in the future.
Additional Reading - Your Complete Guide To Using Your Credit Cards
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Kirti Bhargav
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