About Shaurya SBI Card
Shaurya SBI Card is the base variant of Shaurya Select SBI Card and is designed as a credit card for defence personnel. This SBI Card offers 1.25% value-back on CSD canteen purchases along with similar rewards on everyday categories like dining, movies, groceries, and departmental store spends.
Reward points can be redeemed for cashback or from the rewards catalogue at a value of ₹0.25 per point. For other spends, the card offers a lower base reward rate of 0.25%.
Overall, this is a low annual fee option among rewards credit cards, offering basic benefits like fuel surcharge waiver, 1,000 welcome reward points, and an annual fee waiver. It is best suited for defence personnel looking for a simple card to save on canteen and everyday expenses.
Shaurya SBI Card Rewards Program
Reward Earning
- Earn 5 reward points per ₹100 on CSD, dining, movies, grocery and departmental store spends
- Earn 1 reward point per ₹100 on other spends
Reward Redemption
- Redeem points for cashback or catalogue items at ₹0.25 per point
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get 1,000 reward points on joining fee payment
Fee Waiver
- Annual fee waived on ₹50,000 yearly spends
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹100 per month on spends between ₹500–₹3,000
Also Read: Best Fuel Credit Cards
Insurance Benefits
- Personal accident cover of ₹2 lakh
- Card available with service branch embossing (Airforce, Army, Navy & Paramilitary)
Add-on Cards
- Add-on cards available for family members aged 18+
Suggested Read: Best Credit Cards for Defence Personnel
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 250 + Applicable Taxes |
| Annual Fee | Rs. 250 + Applicable Taxes |
| Finance Charges | 2.75% p.m. (33% p.a.) |
| Late Payment Charges | | On outstanding balance of – | | | Up to Rs. 500 | Nil | | More than Rs. 500 up to Rs. 1,000 | Rs. 400 | | More than Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | More than Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
Apply for a Credit Card & Get Instant Approval
Document Required For Shaurya SBI Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Shaurya SBI Card Highlights
What do we like about this card?
- Earn 5 reward points per ₹100 on CSD, dining, grocery and departmental spends
- Get 1,000 reward points as welcome benefit
- Annual fee waived on ₹50,000 yearly spends
- Save with 1% fuel surcharge waiver up to ₹100 per month
- Get personal accident cover of ₹2 lakh
- Add-on cards available for family members
Things to Know Before you apply
Get this card if:
- You are a serving or retired defence personnel
- You are looking for a low annual fee card with useful basic benefits
- You spend regularly on categories like groceries, dining, and CSD stores
- You prefer simple reward redemption options like cashback
Pros
- 5X rewards on canteen and everyday spends
- Low annual fee of ₹250
- Save up to ₹1,200 annually on fuel surcharge
- Accelerated rewards on dining and movies
Cons
- Low redemption value of ₹0.25 per point
- Low base reward rate of 0.25% on other spends
- No travel benefits like lounge access
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
Shaurya SBI Card is a credit card specially designed for defence personnel. It offers reward points on everyday spends, including CSD purchases, and allows you to personalize the card with Army, Navy, Air Force, or Paramilitary insignia.
Yes, the card charges a foreign currency markup fee of 3.5% on international transactions made in non-INR currency.
Yes, a cash advance fee of 2.5% of the withdrawn amount is applicable, subject to a minimum of ₹500.
Yes, the card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000. The maximum benefit is capped at ₹100 per statement cycle.
You earn 5 reward points per ₹100 on spends like CSD, dining, groceries, departmental stores, and movies. For all other purchases, you get 1 reward point per ₹100.
No, Shaurya SBI Credit Card does not provide any domestic or international airport lounge access. It mainly focuses on everyday savings and rewards instead of travel benefits.
