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Shaurya SBI Card
Rewards
1st Year Fee: ₹250* Plus Applicable Taxes
Rewards
5X rewards on canteen stores
Dining
5X rewards on dining spends
Fuel
Save Rs. 1,200 on fuel every year
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About Shaurya SBI Card
Shaurya SBI Card is the base variant of Shaurya Select SBI Card. Both cards are designed to offer benefits for defence personnel. Shaurya SBI Card offers 1.25% value-back on canteen store spends. In addition, it also offers the same accelerated value-back on everyday categories, including dining, movies, departmental stores, and groceries.
Cardholders can redeem accumulated reward points against cashback or through the rewards catalogue at a value of 1 Reward Point = Rs. 0.25. Apart from the accelerated categories, the card offers a low value-back of 0.25% on other spends.
Overall, Shaurya SBI Card is a low annual fee credit card with basic benefits. Apart from reward points, it offers benefits such as fuel surcharge waiver, 1,000 reward points as a welcome benefit, and an annual fee waiver. This card is a suitable option for defence personnel seeking a low annual fee card to save on canteen and everyday spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Suggested Read: Best SBI Credit Cards in India
Rewards Program & Welcome Benefits
Reward Earning
- 5 reward points per Rs. 100 spent on CSD, dining, movies, departmental and grocery stores
- 1 reward point per Rs. 100 spent on other categories
Reward Redemption
- Redeem accumulated reward points against cashback or through the rewards catalogue at a value of 1 Reward Point = Re. 0.25
Welcome Benefit
- 1,000 reward points on the payment of joining fee1
Other Features and Benefits
Annual Fee Waiver
- Annual fee waiver on spending Rs. 50,000 or more in a year
Fuel Benefit
- 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000, capped at Rs. 100 per month
Insurance Benefits
- Personal Accidental Insurance Cover of Rs. 2 Lakh
- Credit card comes embossed with your service branch i.e. AIRFORCE, ARMY, NAVY & PARAMILITARY
Shaurya SBI Card: Fees & 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 |
|
Things to Know Before you apply
Get this card if:
You are a defence personnel (serving or retired)
You want higher rewards on daily spends like CSD, groceries and dining
You are looking for a low annual fee card with basic benefits
You prefer to redeem reward points against cashback
Other Similar Credit Cards
Paisabazaar Review
What do we like about this card?
With accelerated (1.25%) value-back on spends at canteen stores, along with everyday categories like dining, movies, departmental stores, and groceries, this card is a suitable option for day-to-day spends. Defence personnel looking for a low annual fee card with basic benefits can consider this card. However, apart from the accelerated categories, it offers a low reward rate of only 0.25% due to its low redemption value of Rs. 0.25 per point. Overall, Shaurya SBI Card is a solid choice for defence personnel seeking a simple yet rewarding credit card.
Pros
- Low annual fee of Rs. 250
- Up to Rs. 1,200 annual savings on fuel
- 5X rewards on spends at canteen stores
- 5X rewards on dining, movie & other everyday spends
Cons
- Low reward redemption value of 1 RP = Rs. 0.25
- Low reward rate of 0.25% on other spends
- No travel related benefits like lounge access
Frequently Asked Questions
Everything you need to know about this credit card
Shaurya SBI credit card is designed especially for the defence personnel. Cardholders can get the card embossed with the Navy, Army, Air force or Paramilitary’s insignia. The card offers accelerated reward points on everyday spends and even on CSD spends.
No, SBI Shaurya Credit Card does not offer any domestic or international airport lounge access.
You earn 5 reward points per Rs. 100 on CSD, dining, departmental store/grocery, and movie spends, and 1 reward point per Rs. 100 on all other eligible purchases.
Yes, you get a 1% fuel surcharge waiver for fuel transactions between Rs. 500 and Rs. 3,000, with a maximum waiver of Rs. 100 per statement cycle.
The card offers a complimentary personal accident insurance cover of Rs. 2 Lakh.
The interest (finance) charge is up to 2.75% per month, which translates to about 33% p.a.
Yes, the cash advance fee is 2.5% of the amount withdrawn, or a minimum of Rs. 500, whichever is higher.
Yes, this credit card charges a foreign currency markup fee of 3.5% on transactions made in non-INR currency.
Yes, you can convert purchases into EMIs (“Flexipay”), though cash advance, balance transfers, and fuel transactions are excluded from earning reward points, per T&Cs.
Yes, you can track your SBI Shaurya Credit Card application status on the SBI Card website. Just go to the “Track Application” page, enter your application/reference number, and click on “Track.” Besides this, you can also call SBI credit card customer care to check your status.
Footnotes
- Applicable on cards issued on or after 1st May, 2021.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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