What is the joining fee?

The joining fee is ₹250 (payable at card issuance). Welcome gift on payment of joining fee.

How can I get the annual fee waived?

Renewal fee is waived on annual spends of ₹50,000 or more.

What welcome gift does Shaurya SBI Card offer?

Get 1,000 reward points as a welcome gift after payment of annual fee; T&C apply.

What reward points rates does the card offer?

Earn 5× points on CSD, dining, movies, departmental stores and grocery; 1 pt/₹100 on other spends.

Is there any fuel surcharge waiver?

Yes — 1% fuel surcharge waiver on fuel purchases between ₹500 and ₹3,000 (max ₹100 per statement cycle).

Credit Cards/SBI Bank/Shaurya SBI Credit Card

Shaurya SBI Credit Card

SBI Bank

Last updated: Feb 03, 2026

fuelgroceryrestaurantse-commerce

Annual Fee

₹250

Joining Fee

₹250

Forex Fee

Free

Lounge Access

No lounge access

Shaurya SBI Credit Card is a value-oriented card for defence personnel and related schemes. It offers accelerated reward points on everyday spends including CSD, dining, groceries and movies. Benefits include a low joining/renewal fee, fuel surcharge waiver and complimentary personal accidental insurance.

Features of Shaurya SBI Credit Card which makes it unique

Flexipay

Convert large purchases into EMIs

Flexible repayment

Available within 30 days of transaction.

Balance Transfer on EMI

Transfer outstanding balances from other cards

Lower interest EMIs

Subject to approval.

Rewards Structure of Shaurya SBI Credit Card

CSD, Dining, Movies, Departmental Stores & Grocery

accelerated

Eligible spends in listed categories (including CSD)

Reward Rate:5 pts/₹100

credit cards web - JSON structure comparison.

Other Retail Purchases

base

All other retail purchases (non-fuel)

Reward Rate:1 pt/₹100

Standard earn rate for other categories.

Milestones of Shaurya SBI Credit Card

Renewal Waiver

₹50,000 (annual) : Waiver of renewal fee

None

Fees & Charges of Shaurya SBI Credit Card

Fee & Amount	Fee Value
Joining Fee	₹250
Annual Fee	₹250
Forex Markup Fee	0
Cash Advance Fee	0
Late Payment Fee	₹450
Over Limit Fee	0
Returned Payment Fee	₹450
Cash Withdrawal Fee	3%

Renewal Conditions:Waived on ₹50,000 annual spend (renewal waiver applies as per bank T&C).

Fee Explanation Standard fees and charges apply as per SBI Card terms and conditions.

Detailed Explanation of Shaurya SBI Credit Card Fees

Joining Fee: 250 (one-time)

Applicable on card issuance; welcome gift on payment.

Renewal Fee: 250 (yearly)

Waived on annual spends of ₹50,000 or more.

Cash Advance Fee: 2.5% or ₹500 (transaction)

Domestic and international ATMs.

Lounge Access Benefits with Shaurya SBI Credit Card

domestic Lounges

silver

Visits per year: 0

Guest access: No

No complimentary lounge access by default.

Insurance Coverage with Shaurya SBI Credit Card

personal_accidental_insurance

₹200,000

Complimentary cover offered (via RuPay) as per insurer terms.

Additional Features of Shaurya SBI Credit Card

Contactless Payments

Tap-to-pay enabled

Available where contactless is accepted.

Add-on Cards

Add-on cards available for family members above 18

As per SBI Card policy.

Welcome Bonus with Shaurya SBI Credit Card

Welcome Bonus: Gift voucher worth ₹1,500
Bonus Conditions: Welcome gift credited after payment of first-year annual fee; T&C apply.

Application Process for Shaurya SBI Credit Card

Processing Time

5-10 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Card dispatched within 7–10 days

Apply online via SBI Card portal

Upload KYC documents

Receive verification call

Required Documents for Shaurya SBI Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16