• AURUM Concierge has been created to anticipate your every need and provide professional assistance whenever you like.
• This includes gifting / flower delivery, customized travel and holiday packages, golf reservations and health consultations.
• Dial 1800 212 168 168 or visithttps://www.premiumconcierge.in/

Since time is a luxury, presenting the ultimate privilege – AURUM’s Secretarial Access

Limited authorization that lets your Secretary/Executive Assistant interact with us on your behalf

Contact your Aurum Customer Service Executive to make any changes to secretarial details with

• Authorized Person's Name
• Authorized Person's Date of Birth
• Authorized Mother Maiden Name
• Authorized Person's E-Mail id
• Authorized Person Mobile number
• Dial 1800 500 2000 or write to us ataurum@sbicard.com

• Enjoy 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses across India. Click here to know more
• Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals
• Exclusive benefits across 900 luxury hotels worldwide
• Earn up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
• For more details about Mastercard privileges,click hereand for Visa infinite privileges,click here
• These offers are brought to you by Mastercard/ Visa.

• Daily purchases now made easy with AURUM . Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
• Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
• Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
• Please Click here to download the list of Merchants enabled for transactions.

• AURUM is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India

• Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 4,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 4,000, to avail this benefit
• Get a maximum surcharge waiver of Rs. 500 per statement cycle, per credit card account

• Get complimentary credit card fraud liability cover of Rs. 1 lakh
• This cover is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss. Please call SBI Card helpline to report card loss: Dial 1860 500 2000

• Get your AURUM card replaced anywhere in the world
• 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
• In case your card is lost in India, please call : Dial 1860 500 2000

• With AURUM card you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

• Get enhanced security against counterfeiting and skimming with the chip and pin enabled AURUM Card

• Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your AURUM Card

• With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your AURUM Card, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
• Click here to learn how to apply for Flexipay

• Save money while paying your credit card dues
• Transfer the outstanding balance of other banks’ credit cards to your AURUM Card, to avail a lower rate of interest and pay back in EMIs
• Log on to sbicard.com with your user ID and password to take benefit of this service
• Click here to know more about Balance Transfer on EMI

• With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
• Log in with your username and password to sbicard.com to book Easy Money

• Annual Fee (one-time) :Rs. 9,999
• Renewal Fee (per annum): Rs. 9,999 from second year onwards
• Add-on Fee (per annum): Nil

• Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
• Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
• Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

• Cash advance limit: Up to 80% of the credit limit, with a maximum of Rs. 15,000 per day
• Free credit period: Nil
• Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of withdrawal

• SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
• International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500

• Statement retrieval: Rs. 100 per statement that is more than 2 months old
• Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
• Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
• Late payment:
  • NIL for Total Amount due from Rs.0-Rs.200;
  • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
  • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
  • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
  • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
  • Rs. 950 for Total Amount due greater than Rs. 25,000
• Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
• Card replacement: Rs. 100
• Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite & AURUM) 1.99%(For Elite & AURUM Cardholders Only) (Only for transactions greater than or equal to Rs. 1000)
• Foreign currency transaction: Conversion mark up: 1.99%
• Rewards redemption fee: Rs. 99
• Dragon Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.
• Cash Payment Fee: Rs. 199

• Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
• Railway tickets throughirctc.co.in: 1.8% of transaction amount + service charge, as applicable
• Petrol and other products or services sold at petrol pumps:    1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
  1% of transaction amount for transaction Amount Betweeen Rs. 500 to Rs. 4,000

• Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
• All taxes would be charged as applicable on all the above Fees, Interest & Charges.

Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

All information in this communication is correct as per September 2020 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com