SBI Card
SBI Shaurya Credit Card
Your rating
Community rating
Joining Fee
₹250
Annual Fee
₹250
Reward Rate
0.25% – 1.25%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.25% – 1.25%
Earn rate
0.25
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Available only to Indian defence and paramilitary personnel (proof required)
- No reward points on fuel, EMI, cash advances, utility payments, government transactions
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Pros & Cons
- Good low-fee card for defence personnel
- Strong rewards on daily lifestyle categories
- Very easy annual fee waiver milestone
- Welcome bonus offsets joining fee effectively
- Includes complimentary accident insurance cover
- Beginner-friendly rewards structure
- Good value for grocery and movie spends
- No airport lounge access
- Reward redemption value is relatively low (1 RP = ₹0.25)
- Forex markup is high for international spending
- Best rewards limited to selected categories
- Limited travel and premium lifestyle benefits
- Reward exclusions apply on fuel surcharge, EMI, rent & wallet loads
- Eligibility restricted mainly to defence and paramilitary personnel
Who is this card for?
Active and retired Indian defence and paramilitary personnel who want an affordable credit card with dedicated rewards. Requires proof of service in Indian armed/security forces.
Quick Links
Data last updated 24 Mar 2026