Pravin2407
KF Ace
First, the joining fee of ₹9,999 plus GST is offset by 40,000 reward points, which is worth ₹10,000. This helps serious users recover the upfront cost right from the start. The card’s benefits fall into four main categories: travel, lifestyle, entertainment, and milestone rewards.
In travel, Aurum offers unlimited international lounge access and 16 complimentary domestic lounge visits each year. Frequent flyers will appreciate the reduced 1.99% forex markup, which is much lower than the common rate of 3.5%. This makes it a smart choice for spending abroad.
Regarding lifestyle, Aurum cardholders get concierge services, golf benefits, and premium memberships to services like the Wall Street Journal and Mint. These privileges focus on enhancing experiences that fit a luxury lifestyle rather than providing everyday discounts.
The entertainment benefits are also impressive, with four free BookMyShow tickets each month, capped at ₹250 each. This totals up to ₹1,000 per month or ₹12,000 annually if fully used, which already exceeds the annual fee.
Lastly, the SBI Aurum Credit Card benefits include milestone rewards. Spending ₹1 lakh monthly earns TataCliq vouchers worth ₹1,500, while annual milestones can yield Apple vouchers worth up to ₹20,000 for spending over ₹20 lakh. For high-spending professionals, these rewards add significant real value to the card.
What sets Aurum’s benefits apart is its focus on serious users. A customer who spends heavily on travel and luxury services will gain much more value than the annual fee, while those with limited use for lounges, milestone vouchers, or concierge services may find the card costly.
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