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Premium stack10.0
sbi / VISA
SBI AURUM
Annual
₹9,999
Return
6%
Lounges
Unlimited
Forex
3.5%
Card summary
- SBI AURUM leans travel and lifestyle with ₹9,999 annual fee, 6% headline return potential, and Unlimited lounge access.
Pros
- Strong benefit ceiling if you recover the ₹9,999 annual fee.
- 6% reward rate can outperform flat cashback for loyal users.
- Unlimited lounge access adds travel utility.
Cons
- 3.5% forex markup can reduce overseas value.
- Higher ₹30,00,000 income expectation narrows eligibility.
- Travel value depends on actually using lounge and trip perks.
Best for
Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.
Value profile
Best when annual benefits are actively redeemed.