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AURUM Credit Card - A True Super Premium Offering

TechnoFino said:
Credit cards in India are gaining popularity at a rapid pace. Premium customers are no longer satisfied with just cashback or a decent reward rate; they want lifestyle privileges, global travel access, and exclusive experiences. The challenge is finding a product that strikes the right balance between rewards and lifestyle benefits.

One such product is the AURUM Credit Card. The word “Aurum” comes from Latin and translates to “Gold.” And in many ways, this card can indeed be a golden asset if it fits your lifestyle and you know how to use it effectively.

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Charges​

  • Joining Fee: ₹9,999 + GST
  • Annual Fee: ₹9,999 + GST
  • Annual Fee Waiver: Waived on spends of ₹12 lakh or more in the preceding year
The fee structure places this firmly in the super premium category. However, the welcome benefits and renewal benefits make the effective cost much lower.

Welcome Benefits​

  1. 40,000 AURUM Reward Points (ARP), equivalent to ₹10,000, credited on payment of the joining fee (1 ARP = ₹0.25). Effectively, you only bear the GST cost.
  2. Club Marriott Membership offering benefits on hotel stays, dining, and experiences.
  3. One-year complimentary subscriptions to The Wall Street Journal and Mint.
  4. Angel Investment Network Access with one-year complimentary membership to Inflection Point Ventures (IPV), worth ₹29,382.
These welcome privileges are designed for high-spending individuals who value both lifestyle and business-focused benefits.

Airport Benefits​

  • International Airport Lounges: Unlimited access worldwide through DreamFolks, with an additional benefit of one free guest visit per quarter.
  • Domestic Airport Lounges: 4 complimentary visits per quarter using the AURUM Credit Card. Add-on cardholders are also eligible for the same benefits.
  • Airport Spa: One complimentary spa session per quarter at participating domestic airports through DreamFolks.
This combination of unlimited international lounge access and spa privileges makes AURUM highly competitive compared to other super premium cards.

Golf Benefits​

  • 16 complimentary golf rounds per calendar year (4 per quarter).
  • 12 complimentary golf lessons annually.
For those who play golf or want to learn, this benefit adds significant lifestyle value.

Movie Benefits​

  • 4 complimentary movie tickets per month on BookMyShow, capped at ₹1,000 per month.
  • A maximum of 2 tickets per booking, with a discount of up to ₹250 per ticket.
  • A minimum 24-hour gap is required between two bookings.
This feature ensures steady monthly savings for regular moviegoers.

Concierge and Secretarial Services​

  • AURUM Concierge: A dedicated concierge service that ranks among the best offered by any credit card in India, assisting with reservations, bookings, and lifestyle requests.
  • Secretarial Access: Cardholders can authorize a secretary or executive assistant to handle limited interactions with AURUM team on their behalf.

Forex Mark-up​

  • A relatively low foreign currency mark-up of 1.99 percent on international transactions, making the card suitable for frequent overseas travelers.

Fuel Surcharges Waiver​

  • Get 1% fuel surcharge waiver at all petrol pumps across India, valid on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.

Rewards Program​

  • Earn 4 AURUM Reward Points for every ₹100 spent.
  • Exclusions: Transactions such as rent payments, wallet loading and government spends etc. do not earn points.

  • Redemption: Points can be redeemed on the dedicated AURUM Rewards portal for e-gift vouchers, flights, hotels, experiences, or transferred to partners such as Air India, ITC, Qatar Airways, Air Asia, and Adani One.
  • Value: 1 Reward Point = ₹0.25.
The combination of a flat accrual rate and wide redemption options gives the program flexibility.

Milestone Benefits​

Monthly Milestone:
  • Spend ₹1,00,000 in a calendar month and receive a Tata CLIQ Fashion voucher worth ₹1,500.
Annual Milestones:
  • Spend ₹5,00,000 in a calendar year and receive a Tata CLIQ Luxury voucher worth ₹5,000.
  • Spend ₹10,00,000 in a calendar year and receive a Taj voucher worth ₹10,000.
  • Spend ₹20,00,000 in a calendar year and receive an Apple Premium Re-seller voucher worth ₹20,000.
The total milestone benefit potential is ₹53,000 per year, in addition to regular rewards.

Reward Rate Calculation​

  • Normal Rewards: ₹20,000
  • Monthly Milestone Benefits: ₹18,000
  • Annual Milestone Benefits: ₹35,000
  • Annual Fees Waiver Benefits: ₹9,999
  • Total Value: ₹82,999
This gives an effective reward rate of 4.15 percent on ₹20 lakh annual spend.

My Opinion​

As I mentioned earlier, this card is truly “gold” if it aligns with your lifestyle. At first glance, the ₹9,999 (+ GST) annual fee may appear steep, but in reality, you are effectively paying only around ₹1,800 (the GST component). Why? Because you immediately receive 40,000 reward points worth ₹10,000 at the time of joining, which offsets the fee itself.

For that effective cost of ₹1,800, the bundled benefits are outstanding. You receive a Club Marriott membership, digital subscriptions to The Wall Street Journal and Mint, as well as Inflection Point Ventures (IPV) membership. These memberships alone carry a much higher standalone cost than the joining fee of the card, making the package highly valuable.

In addition, the AURUM Credit Card provides unlimited international Airport lounge access, a generous quota of domestic lounge visits, complimentary airport spa sessions, BookMyShow movie offers, and golf privileges. All of these benefits are practical and valuable for premium customers in their day-to-day lives. The AURUM Concierge service also deserves a special mention - it is one of the finest concierge services currently offered in the Indian market.

The value proposition goes beyond lifestyle perks. With monthly milestone benefits worth ₹1,500 and annual milestone rewards totaling ₹35,000, this card can deliver significant returns. While the base reward rate may appear modest, when milestone benefits are included, the effective reward rate can reach approximately 4.15% on annual spends of ₹20 lakh. For a super premium credit card, this is an excellent return rate.

Overall, the AURUM Credit Card has positioned itself as one of the strongest offerings in India’s super premium segment. It delivers a balanced mix of rewards and lifestyle privileges, making it a compelling option for high-net-worth individuals (HNIs). We recommend this card for those with annual spends in the range of ₹20 lakh or higher, provided the benefits align with your lifestyle and spending patterns.

So, if the AURUM Credit Card suits your lifestyle, grab one for yourself right away.
Click Here To Apply
T&C apply
Click to expand...
Hi Everyone, If anyone is interested, I can help. I look after Aurum Acquisition in SBI Cards.
 
SBI cards makes some sense only with milestones but prime or elite or aurum all have weird milestones. E.g. prime used to give me Rs.1000 pizzahut voucher every quarter which was useless to me. Aurum gives Tata cliq - another useless one no choice we decide what you get. I had downgraded to simplysave just to keep one Sbi card for offers. Aurum shows in pre approved upgrade. Actually cheapest card is best for everyone as best thing about Sbi card is it is there in every sale.
 
www.cardexpert.in

Top 5 Benefits of AURUM Credit Card: Movie tickets, Rewards, Golf and more

India has good number of Super Premium Credit Cards and AURUM is a noteworthy one among. The AURUM Credit Card offers not just good rewards but also lifestyle perks like free movie tickets, golf access, premium support, and much more. Here are the top five benefits that make the AURUM Credit Card
www.cardexpert.in www.cardexpert.in
Now praising start from card expert also. All forums behind aurum 😄😄
 
basant said:
www.cardexpert.in

Top 5 Benefits of AURUM Credit Card: Movie tickets, Rewards, Golf and more

India has good number of Super Premium Credit Cards and AURUM is a noteworthy one among. The AURUM Credit Card offers not just good rewards but also lifestyle perks like free movie tickets, golf access, premium support, and much more. Here are the top five benefits that make the AURUM Credit Card
www.cardexpert.in www.cardexpert.in
Now praising start from card expert also. All forums behind aurum 😄😄
Click to expand...
SBI is approaching every influencer in this holiday season 😄
 
Apply For LTF Axis Bank Credit Card
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