SBI Shaurya Credit Card

The SBI Shaurya Credit Card is a special thank you to India’s brave soldiers, sailors, and airmen. It’s designed for military personnel, including Army, Navy, Air Force, and Paramilitary members. This credit card rewards their service with points on everyday purchases like groceries and restaurants. Plus, cardholders get savings on gas and free insurance. It’s a way to show our appreciation for the people who keep us safe.

Shaurya SBI Card


  1. Welcome Benefits: Soldiers get 1000 points as a thank you for signing up (with the first year’s ₹250 fee).
  2. Fuel Surcharge Waiver: Save up to ₹250 per month on gas fill-ups between ₹500 and ₹3,000 (they waive 1% of the surcharge).
  3. Free Insurance: Get free personal accident insurance for up to ₹2 lakhs (provided by RuPay).
  4. Add-on Cards: Get free add-on cards for your spouse, parents, and kids (18+) so they can enjoy the same benefits as you.
  5. Flexipay EMI: Break down big purchases (₹2,500 and above) into monthly payments to make them easier to manage.
  6. Use it Anywhere: Use your card at millions of stores around the world (over 44 million in 190 countries).

Additional Features

  1. Easy Money: Access cheques or drafts against your card’s cash limit.
  2. Contactless Payment: Enjoy the convenience and security of RuPay Contactless payments.
  3. Set Card Control: Use the SBI Card App to manage and control the limits of all your SBI Cards.
  4. Annual Fee Waiver: Renewal fee waived with ₹50,000 spent; annual fee also waived, ensuring no additional charges

Reward Points

  1. Earn more points: Get 5 times the points when you use your card at military canteens (CSD), restaurants, movies, department stores, and grocery stores.
  2. Regular points: For other purchases, you still get 1 point for every ₹100 spent.
  3. Pay with points: You can use your points to pay your bill. Every 4 points are worth ₹1.
  4. Lots of choices: You can also redeem your points for many different things from their rewards catalogue.

How to Redeem SBI Shaurya Reward Points

  1. Sign in to your SBI Credit Card account online.
  2. Look for a section called “Rewards” or something similar.
  3. They probably have a catalogue of items you can redeem your points for.
  4. Browse through it to find something you like.
  5. Once you find something you want, select it.
  6. Make sure you have enough points to redeem it.
  7. Click a button that says “Redeem” or something similar.
  8. Double-check everything to make sure it’s correct.
  9. Confirm the redemption to finalize it. Voila! You’ve used your points!

Shaurya SBI Card Charges

Annual Charges₹250
Joining Charges₹250 (One-Time Payment)
Add on CardNil
Interest Rate3.50% monthly, 42% annually
Late Payment FeeBetween ₹400 to ₹1300 for late payments depending on overdue amount
Foreign Currency Markup Fee3.5%
Rewards Redemption ChargesApprox. ₹99
Add-on CardsNil

Eligibility Criteria

  1. Who can apply? Indian defence personnel living in India.
  2. Age: You must be 21 or older for the main card,
  3. Add on Card: 18 or older.
  4. Minimum income: You need to earn at least ₹2 lakhs per year.
  5. Credit score: Having a good credit history (up to 750 scores) helps your application.
  6. Credit Card Eligibility Checker


  1. Occupation: Defense Personnel Identification Card or employer letter.
  2. Address: utility bill, Aadhaar card, passport etc
  3. Income: Latest salary slips or bank statements etc (Latest)
  4. Photograph

How to Apply For SBI Shaurya Credit Card

  1. Head to SBI Card’s website.
  2. Look for the “Credit Cards” section.
  3. Find the Shaurya or Shaurya Select card (depending on your preference).
  4. Click “Apply Now”.
  5. Fill out the online form with your info, including that you’re defence personnel.
  6. Make sure your income meets their minimum requirement.
  7. Take pictures of your ID, address proof, income proof, and a selfie with your phone and upload them.
  8. Double-check everything to make sure it’s right.
  9. Agree to their terms and submit the application.
  10. They might approve you right away, or they might call to check things out. Answer their call if they do.
  11. If approved, your card will be mailed to you.
  12. Set up your card following their instructions.
  13. Now you can enjoy the benefits of your Shaurya card!
  14. Keep track of your spending and bills using their website or app.


  • Is domestic airport lounge access available with the Shaurya SBI Card?

    No, domestic airport lounge access is not available with the Shaurya SBI Card. However, cardholders can still enjoy other benefits such as fuel surcharge waivers and insurance coverage.

  • I am unsure about the benefits and features of my Shaurya SBI Card. Where can I find more information?

    For detailed information about the benefits, features, terms and conditions. Read brochure PDF Website: SBI Card Category: PDF visit the SBI Card website or refer to the welcome kit provided with your card. You can also contact SBI Card customer service for further assistance and clarification.

  • I have lost my Shaurya Credit Card. What steps should I take?

    If your card is lost or stolen, immediately report it to SBI Card customer service to have the card blocked. They will then assist you in issuing a replacement card to ensure the security of your account and prevent any unauthorized transactions.

  • I haven't received my Shaurya SBI Card yet. What should I do?

    If you haven’t received your card within the expected timeframe, contact SBI Card customer service 1800 180 1290 immediately. They will assist you in tracking your card’s status and, if necessary, arrange for a replacement card to be sent to you.

  • What is Shaurya credit card Customer Care Helpline Number?

    Simply Call to 1860 500 1290, 1860 180 1290

Nanne Parmar