SBI Aurum Review: Is It Worth It for Travel Rewards in 2026?
Top-tier Travel card with 5× earn on travel and access to 3 transfer partners.
SBI Aurum fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹9,999 |
| Joining fee | ₹9,999 |
| Welcome bonus | 9,999 points |
| Eligibility tier | Super-premium income (₹24L+/year) or existing relationship |
SBI Aurum earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 5 points per ₹100 |
| Dining | 5 points per ₹100 |
| Online | 5 points per ₹100 |
| Retail | 3 points per ₹100 |
| Fuel | 1 points per ₹100 |
| Other | 3 points per ₹100 |
Where SBI Aurum points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| Air India Maharaja Club | Check issuer portal for current ratio |
| Marriott Bonvoy | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your SBI rewards portal before initiating a transfer.
What SBI Aurum does well
- High earn rate: 5 points per ₹100 on travel spends
- Wide transfer partner network with 3 airline and hotel programs
- Generous welcome bonus of 9,999 points
- 5× reward points on travel & dining; 3× on all else
- Transfer to KrisFlyer, Air India & Marriott Bonvoy
Where SBI Aurum falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- High income requirement limits accessibility
SBI Aurum earns across Singapore Airlines KrisFlyer and Air India Maharaja Club. Pick your destination and see what your points unlock.
SBI Aurum frequently asked questions
What is the annual fee for SBI Aurum?
SBI Aurum has an annual fee of ₹9,999 with a joining fee of ₹9,999. New cardholders receive 9,999 welcome bonus points.
What are the best spend categories for SBI Aurum?
SBI Aurum earns the highest rewards on travel spends at 5 points per ₹100. 5× reward points on travel & dining; 3× on all else.
Which airline and hotel partners can I transfer SBI Aurum points to?
SBI Aurum points transfer to: Singapore Airlines KrisFlyer, Air India Maharaja Club, Marriott Bonvoy. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the SBI Aurum card?
SBI Aurum is best suited for travel and premium spenders. Super-premium income (₹24L+/year) or existing relationship.