Shaurya Select SBI Credit Card
SBI Bank
Expert Rating
₹1,499
₹0
1.99%
4 visits/yr
Contents
Shaurya Select SBI Credit Card is a specially designed rewards card for defence personnel and their families. It offers high earning on grocery, dining, movies and departmental store spends, plus fuel surcharge waiver and insurance cover. Includes add-on card facility and personalised insignia for service branch.
Features of Shaurya Select SBI Credit Card which makes it unique
Accelerated Rewards
High earn rates on grocery, departmental, dining and movie spends
Better value for everyday and lifestyle spends
Higher than typical base-rate cards
Fuel Surcharge Waiver
1% waiver on fuel surcharge (up to cap)
Reduces cost of fuel spending
Better than many standard cards without waiver
Rewards Structure of Shaurya Select SBI Credit Card
Grocery & Departmental Stores
acceleratedCanteen Stores Department (CSD), grocery, departmental stores
Highest earn rate for grocery, departmental & CSD spends.
Dining & Movies
baseStrong earn rate on lifestyle spends.
Other Retail Purchases
baseAll other retail purchases (non-fuel)
Standard earn rate.
Milestones of Shaurya Select SBI Credit Card
Quarterly Milestone
₹50,000 : ₹500 Pizza Hut e-voucher
Annual Milestone
₹5,00,000 : ₹7,000 Yatra or Pantaloons e-voucher
Fees & Charges of Shaurya Select SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on spends of ₹1.5 lakh or more in the previous year.
Fee Explanation Standard bank rates and SBI Card fee schedule apply for overdue and other charges.
Lounge Access Benefits with Shaurya Select SBI Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
One free domestic lounge visit each quarter; as per RuPay lounge access list.
Insurance Coverage with Shaurya Select SBI Credit Card
Personal Accident Insurance
₹10,00,000Cover valid for cardholder and as per RuPay/SBI Card insurance terms.
Additional Features of Shaurya Select SBI Credit Card
Contactless Payments
Tap & pay enabled
Add-on Cards
Family members above 18 can get free add-on cards
Welcome Bonus with Shaurya Select SBI Credit Card
Welcome Bonus: 1,500 reward points
Bonus Conditions: Bonus credited each year on payment of renewal fee; subject to bank terms.
Application Process for Shaurya Select SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card or partner portal
Upload KYC documents
Receive verification call
Card dispatched within 7 business days (subject to verification)
Required Documents for Shaurya Select SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Shaurya Select SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted internationally where RuPay/Pulse/partner network is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Shaurya Select SBI Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Card personalised with service branch; valid PAN and Aadhaar required; additional KYC as per SBI Card.
How Approval Is Decided
- Defence personnel or eligible family member
- Indian resident above age 21
- Credit history and income as per SBI Card criteria
Pros of Shaurya Select SBI Credit Card
- Very high reward rates on key spend categories
- Fuel surcharge waiver helps frequent refuellers
- Designed for defence personnel & families offering lifestyle benefits
Cons of Shaurya Select SBI Credit Card
- Annual/renewal fee applies (₹1,499) though waivers are possible
- High earn categories have caps and exclusions (fuel, cash transactions) – must check T&Cs
Frequently Asked Questions about Shaurya Select SBI Credit Card
Is there a joining fee?
No, there is no joining fee for this card.
How do I earn reward points on this card?
You earn 10 points per ₹100 on grocery, departmental store, dining & movie spends, and 2 points per ₹100 on other retail purchases (non-fuel).
What is the fuel surcharge waiver benefit?
You receive a 1% fuel surcharge waiver on eligible fuel transactions (cap per statement cycle) as specified by SBI Card.
How can the annual fee be waived?
If you spend ₹1.5 lakh or more in the previous year, your annual fee of ₹1,499 will be waived the next year.
What milestone rewards are available?
Spend ₹50,000 in a quarter for a ₹500 Pizza Hut voucher or ₹5 lakh in a year for a ₹7,000 Yatra/Pantaloons voucher.
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