SBI Aurum Credit Card Review: Is It Worth the Premium?
Credit cards have become an essential component of our financial life in today’s fast-paced society. They provide a variety of unique advantages in addition to ease. The SBI Aurum Credit Card is one such card that stands out on the market. We will explore the nuances of this invite-only ultra-premium credit card in this in-depth analysis. Read on to find out if the SBI Aurum Credit Card is the best option for you if you’re thinking about putting one in your wallet. Let’s Drive into SBI Aurum Credit Card Review.
SBI Aurum Credit Card Review
The SBI Aurum Credit Card is not your run-of-the-mill credit card; it’s a super premium offering designed for those who seek luxury and exclusivity. Let’s take a closer look at what sets this card apart.
SBI Aurum Credit Card Features that Define Excellence
Unlimited Airport Lounge Access
One of the standout features of the SBI Aurum Credit Card is the privilege of unlimited airport lounge access. For the frequent traveler, this is a game-changer. Say goodbye to long waits in crowded terminals and enjoy the serenity and comfort of exclusive airport lounges.
Comprehensive Travel Insurance
Traveling can sometimes come with unexpected challenges. The SBI Aurum Credit Card provides peace of mind with its comprehensive travel insurance coverage. Whether it’s trip cancellation, lost baggage, or medical emergencies abroad, this card has you covered.
Personal Concierge Services
Imagine having a personal assistant at your beck and call. With the SBI Aurum Credit Card, you get access to concierge services that can assist you with reservations, travel planning, and more. It’s like having your own personal concierge on speed dial.
High Reward Rate
Earning rewards with this card is a breeze. You’ll receive 4 reward points for every Rs. 100 spent, making it a lucrative choice for those who love to be rewarded for their expenses.
0% Interest on EMIs
For select purchases, you can enjoy the convenience of 0% interest on EMIs. This feature adds flexibility to your financial planning, allowing you to make big-ticket purchases without the burden of high-interest rates.
Premium Dining and Lifestyle Clubs
As an SBI Aurum Credit Card holder, you’ll gain complimentary membership to premium dining and lifestyle clubs. This opens doors to exclusive culinary experiences and lifestyle privileges that are second to none.
To enjoy all these exclusive benefits, you’ll need to pay an annual fee of Rs. 10,000. While it may seem steep, the perks that come with the card more than justify the cost for discerning individuals.
SBI Aurum Credit Card Eligibility Criteria
Before you get your hopes up, it’s essential to check if you meet the eligibility criteria for the SBI Aurum Credit Card:
- Minimum Annual Income: You should have a minimum annual income of Rs. 12 lakhs to be eligible for this card.
- Good Credit Score: A good credit score is essential for approval.
- Existing Relationship with SBI: Having an existing relationship with SBI can work in your favor when applying for this card.
SBI Aurum Credit Card Apply Online
Applying for the SBI Aurum Credit Card is a straightforward process. You can either apply online through the SBI website or visit a nearby SBI branch to complete the application in person.
SBI Aurum Credit Card Track
Once you’ve applied, you’ll want to keep tabs on your card’s status. You can easily track the progress of your application online through the SBI website or by using the SBI Card mobile app.
SBI Aurum Credit Card Login Managing Your Account
After receiving your SBI Aurum Credit Card, you can manage your account online by logging in through the SBI website or using the SBI Card mobile app. This convenient feature allows you to monitor your expenses, make payments, and access your statement at your fingertips.
SBI Aurum Credit Card Charges
While the SBI Aurum Credit Card offers an array of benefits, it’s essential to be aware of the associated charges:
- Annual Fee: The card comes with an annual fee of Rs. 10,000.
- Late Payment Fee: Missing payments can be costly, with a late payment fee of Rs. 500.
- Foreign Exchange Transaction Fee: When using your card for international transactions, a foreign exchange transaction fee of 3% will apply.
SBI Aurum Credit Card Unboxing
If you’re curious about what your SBI Aurum Credit Card will look like when it arrives, you can find unboxing videos on YouTube. These videos provide a sneak peek into the premium packaging and design of the card.
SBI Aurum Credit Card For IIM Students
While the SBI Aurum Credit Card is not specifically designed for IIM students, they may be eligible for it if they meet the stringent income and credit score criteria. This card caters to individuals who appreciate luxury and are willing to invest in it.
SBI Aurum Credit Card Customer Care Number
Should you have any questions or concerns about your SBI Aurum Credit Card, the customer care number to reach out to is 1800 112 2222. The dedicated support team is there to assist you with any inquiries you may have.
Conclusion on SBI Aurum Credit Card Review
In conclusion, the SBI Aurum Credit Card is a premium choice for discerning customers who value exclusivity, luxury, and a host of exclusive benefits. While it comes with a price tag, the rewards and privileges it offers can easily offset the annual fee. If you meet the eligibility criteria and are looking to elevate your credit card experience, the SBI Aurum Credit Card is worth considering.
FAQs on SBI Aurum Credit Card Review
Is the SBI Aurum Credit Card available to everyone?
No, the SBI Aurum Credit Card is invite-only and has strict eligibility criteria that include a minimum annual income of Rs. 12 lakhs and a good credit score.
Can I use the SBI Aurum Credit Card for international transactions?
Yes, you can use the card for international transactions, but be aware that a foreign exchange transaction fee of 3% applies.
Are there any additional charges besides the annual fee?
Yes, there is a late payment fee of Rs. 500 for missed payments.
What is the process for applying for the SBI Aurum Credit Card?
You can apply online through the SBI website or visit a nearby SBI branch to complete the application in person.