SBI 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.
Beginner & Zero Fee Fit Score
85/100
Joining Fee
₹250
Annual Fee
₹250
Reward Rate (%)
0.25 – 1.25
Forex Markup
3.5%
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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
12/20
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
Calculate your exact earnings with SBI Shaurya Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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