How to Increase Credit Limit on SBI AURUM Credit Card

Are you using SBI AURUM Credit Card? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on SBI AURUM Credit Card.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on SBI AURUM Credit Card . SBI AURUM Credit Card Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. SBI AURUM Credit Card is best fit for Movies |
Travel |
Dining |
Shopping | enthusiast. You get limited complimentary lounge access at domestic airports and unlimited complimentary lounge access at international airports. Apart from lounge access, you also get complimentary spa access at select domestic airports..

 

SBI AURUM Credit Card Details

Card Name SBI AURUM Credit Card
Joining Fee Rs. 10,000 (plus applicable taxes)
Reward Type Reward Points |
Fuel Surcharge 1% fuel surcharge waived off at all fuel stations across India.
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of SBI AURUM Credit Card?

Rs. 10,000 (plus applicable taxes)

What are the Welcome Benefits for SBI AURUM Credit Card?

40,000 Reward Points and complimentary memberships of Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold and BBStar (6 months)

Rs. 5,000 LUXE Voucher on annual expenditure of Rs. 5 lakh.

SBI AURUM Credit Card Benefits & Rewards

Movie / Dining 

Complimentary memberships of Zomato Pro and Eazydiner Prime and 4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)

Rewards Rate 

Rs. 5,000 LUXE Voucher on annual expenditure of Rs. 5 lakh.

Reward Redemption

Reward Points are redeemable for gift vouchers, hotel reservations, flight tickets, etc. on dedicated AURUM Rewards portal

Travel Benefits for SBI AURUM Credit Card

Complimentary domestic and international airport lounge access and complimentary airport spa access.

 

Airport Lounge Access

Domestic Lounge Access : 4 complimentary domestic lounge access under Visa/MasterCard domestic lounge program

International Lounge Access : Unlimited international airport lounge access with complimentary Dreamfolks lounge program membership

Insurance Cover

N/A

How to Increase Credit Limit on SBI AURUM Credit Card

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on SBI AURUM Credit Card totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

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