SBI Card
Classic · Shaurya
SBI Shaurya Credit Card
SBI Card
Exclusive card for defence personnel with 5X rewards on daily essentials
Annual Fee
₹250
Joining Fee
₹250
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,705
Total Annual Benefits
₹2,000
Total Annual Charges
₹295
ROI
578%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (2)
5X Reward Points on Grocery, Dining, CSD & Movies
Earn 5X reward points on grocery, dining, CSD (Canteen Stores Department), and movie transactions
- • Valid on grocery, dining, CSD, and movie transactions
5X RP
Reward Points on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹100 (5X on grocery/dining/CSD/movies)
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Cashback (1 RP = ₹0.20)
- → Statement Credit
Bonus Categories
Grocery
5x multiplier
5X reward points on grocery spends
Dining
5x multiplier
5X reward points on dining spends
CSD
5x multiplier
5X reward points at Canteen Stores Department
Movies
5x multiplier
5X reward points on movie spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹250 Excluding 18% GST |
| Annual Fee | ₹250 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 21 – 60 years
- Employment
- Salaried
Notes
- • Exclusive for Indian defence personnel
- • Army, Navy, Air Force, and paramilitary forces
- • Minimum monthly income ₹15,000
- • Age 21–60 years
- • Service ID proof required
Insurance Coverage
0 0 0
Lost Card Liability
₹50,000
Report within 24h
- • Lost card liability cover up to ₹50,000
Airport Lounge Access
Domestic
0 visits/year
N/A
International
0 visits/year
N/A
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Exclusive for defence personnel CSD store rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The SBI Shaurya Credit Card is an exclusive card for Indian defence personnel offering 1 reward point per ₹100 on all spends with 5X reward points on ...
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