SBI CardSBI Shaurya Credit Card
The SBI Shaurya Credit Card is exclusively issued to Indian defence and paramilitary personnel including Army, Navy, Air Force, CRPF, BSF, CISF, and other security forces.
Top Category Performance
Beginner & Zero Fee (85/100)
Joining Fee
₹250
Annual Fee
₹250
Reward Rate (%)
0.25 – 1.25
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
SBI Shaurya Credit Card Benefits
SBI Shaurya Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.25% – 1.25%
Earn rate
0.25
Points / ₹100
SBI Shaurya Credit Card 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.
SBI Shaurya Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SBI Shaurya Credit Card 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 14 Aug 2026
Popular Comparisons for SBI Shaurya Credit Card
Direct side-by-side MITC term matchups
SBI Shaurya Credit Card vs ACE Credit Card
Axis Bank · ₹499
SBI Shaurya Credit Card vs Adani One ICICI Bank Platinum Credit Card
ICICI Bank · ₹750
SBI Shaurya Credit Card vs Airtel Axis Bank Credit Card
Axis Bank · ₹500
SBI Shaurya Credit Card vs Amazon Pay ICICI Bank Credit Card
ICICI Bank · Free
SBI Shaurya Credit Card vs American Express SmartEarn Credit Card
American Express · ₹495
SBI Shaurya Credit Card vs AU Altura Plus Credit Card
AU Small Finance Bank · ₹499
More from SBI Card
Calculate your exact earnings with SBI Shaurya Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.