Sbi Shaurya
SBI Card
Sbi Shaurya
SBI Card
Annual Fee
₹250
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Shaurya
Designed exclusively for Indian Defence personnel. Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends; 1 RP per ₹100 on all others. 1% fuel surcharge waiver on transactions ₹500–₹3,000. Complimentary Personal Accidental Insurance cover of ₹2 Lakh. Annual fee waived on spends of ₹50,000+.
Best For
Pros & Cons
thumb_upPros
- check_circleDefence Personnel Benefits
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹250 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹250 |
| All other spends | 2% | 200 pts≈ ₹50 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the SBI Card rewards portal. Redemption value may vary by option.
Card Benefits
Defence Personnel Benefits
Exclusive offers for defence personnel and their families
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
Annual Fee Waiver – ₹1L Spend: Annual fee of ₹250 waived on achieving annual net spends of ₹1,00,000 in the preceding card anniversary year. Exclusively for Indian Defence personnel.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹250 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Shaurya.
Ready to apply for Sbi Shaurya?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.