Shaurya SBI Card benefits
- Rewards5
reward points per ₹100 at CSD canteens, departmental and grocery stores, dining and movies
up to 5,000 points a month
- Rewards1
reward point per ₹100 on other spends; 2,000 points pay ₹500 of your bill
- Fees1,000
reward points as a welcome gift on paying the ₹250 first-year fee
- Benefit
Interest of 2.75% a month, against 3.75% on SBI Card's regular unsecured cards
Good to know
- ₹250 annual fee before GST, waived on ₹50,000 of yearly spends
Shaurya SBI Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Groceries5 reward points per ₹100 at departmental stores and grocery stores, including CSD canteens. Metro Cash & Carry and Walmart earn only 1 point per ₹100. | 5 points per ₹100 | 5,000 |
| Dining and food delivery5 reward points per ₹100 at restaurants, bars and fast food outlets. | 5 points per ₹100 | 5,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, rent payments (from 1 April 2024), cash advances, balance transfers, Encash, Flexipay, fees and disputed transactions.
All reward rules
- Movie tickets at cinemas also earn 5 reward points per ₹100.
- Groceries, departmental stores, dining and movies share one limit of 5,000 reward points a month at the higher rate. After that, these spends earn 1 point per ₹100.
- SBI Card's terms show that 2,000 reward points pay ₹500 of your card bill, so 1 point is worth ₹0.25. You need at least 2,000 points to redeem.
- 1,000 reward points as a welcome gift once you pay the first year's ₹250 fee.
- Reward points stay valid for 24 months.
What the Shaurya SBI Card gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 1.25% | ₹1,500 |
| Dining and food delivery | ₹9,000 | 1.25% | ₹1,350 |
| Online shopping | ₹3,000 | 0.25% | ₹90 |
| Travel | ₹1,000 | 0.25% | ₹30 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0.25% | ₹90 |
| Everything else | ₹2,000 | 0.25% | ₹60 |
| Total | ₹30,000 | ₹3,120 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,120* |
Shaurya SBI Card annual fee and charges
- Joining fee
- ₹250
- Annual fee
- ₹250
- Fee waiver
- ₹50,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹250 and annual fee ₹250, both before GST. The renewal fee is waived if you spent ₹50,000 or more in the previous year. Interest on Shaurya cards is 2.75% a month (33% a year), lower than the 3.75% a month on SBI Card's regular unsecured cards.
Fuel surcharge: 1% waiver on fuel transactions from ₹500 to ₹3,000, up to ₹100 a month.
Shaurya SBI Card eligibility
SBI Card makes its Shaurya cards for defence and paramilitary staff, and the card face shows the service branch (Airforce, Army or Navy). Its application page asks defence applicants for a serving certificate with a photo, issued within 60 days, or an employer ID card with address and photo. The Shaurya terms we read give no age or income rule.
The bank alone decides approval and your credit limit.
Shaurya SBI Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the Shaurya SBI Card right for you?
A card with a ₹250 fee that spending can waive, paying 1.25% on groceries and a below-average 0.25% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹250 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on groceries: the card pays 1.25% back there, against 0.25% on most other spends.
- You spend ₹50,000 a year or more (about ₹4,200 a month), so the ₹250 renewal fee is waived.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹4,200 a month: you would pay ₹295 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Shaurya SBI Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Shaurya SBI Card | ₹250 | 1.25% | ₹1,890* |
| PhonePe SBI Card SELECT BLACK | ₹1,499 | 10% | ₹6,720* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
If most of your spending looks like the example above, the PhonePe SBI Card SELECT BLACK may suit you better: it would leave you ₹4,440 a year, against ₹3,120 with the Shaurya SBI Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Who can apply for the Shaurya SBI Card?
SBI Card makes the Shaurya card for defence and paramilitary personnel. When you apply, SBI Card asks for a serving certificate with your photo, issued within the last 60 days, or your employer ID card with address and photo.
Does the Shaurya SBI Card give extra points at the CSD canteen?
Yes. CSD canteen spends count with departmental and grocery stores and earn 5 reward points per ₹100. Dining and movies earn the same rate. Together these give at most 5,000 points a month at the higher rate.
What is the annual fee of the SBI Shaurya Credit Card?
₹250 a year plus GST, and the same as a joining fee. SBI Card waives the renewal fee if you spent ₹50,000 or more in the previous year.
What is the interest rate on the Shaurya SBI Card?
SBI Card charges 2.75% a month (33% a year) on Shaurya and defence cards if you do not pay the full bill. Its regular unsecured cards charge 3.75% a month (45% a year).
Can I use the Shaurya SBI Card on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps. UPI spends earn reward points under the same rules as card spends.