Unlimited international lounge access + guest visit (quarterly cap)
4 domestic lounge visits per quarter (capped)
4 movie tickets worth ₹1,000 monthly (₹500 per booking cap)
15% dining discount on District
16 complimentary golf rounds per year (4 per quarter)
1.99% low forex markup on international spends
Fees
Joining Fee40,000 AURUM Reward Points worth ₹10,000 on joining fee payment, Complimentary memberships Club Marriott 1 year, WSJ & Mint 1 year, Inflection Point Venture worth ₹29,382
₹11,799
₹9,999 + GST
Annual FeeThe annual fee is waived if you spend ₹12 lakh or more in a year on your card, as per bank policy
₹11,799
₹9,999 + GST
Eligibility
Age
21-60 years
Salary
₹3.33L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1.99%): ₹100 → ₹1.99 ₹1,000 → ₹19.9 ₹10,000 → ₹199 ₹1,00,000 → ₹1,990
1.99%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque PaymentA fee of 200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹200
Cash PaymentA fee of ₹250 is levied for every cash payment made towards the card
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Fuel SpendsEMI transactionsPurchases converted to EMI post factoWallet loading transactionsPurchase of Jewelry itemsCash advancesPayment of outstanding balancesPayment of card fees and other card chargesRental PaymentsGovernment servicesInsurance servicesEducation servicesUtility Spends that are not done on Airtel Thanks platform
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
