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▾SBI Shaurya Select Credit Card Review
Best for: Serving and retired Indian armed forces personnel (Army, Navy, Air Force) who want a dedicated card with relevant benefits.
- First-year fee waived; renewal ₹1,499+GST waived on annual spend ≥ ₹1,50,000
- 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery; 2 RP per ₹100 on all other categories
- Reward redemption: 4 RP = ₹1 (cardholder pays outstanding with RP); also redeemable via Rewards Catalogue
- Renewal benefit: 1,500 RP credited every year
- Milestones: ₹500 Pizza Hut e-voucher on ₹50,000 quarterly spend; ₹7,000 Yatra/Pantaloons e-voucher on ₹5L annual spend
- 4 complimentary domestic airport lounge visits per year
- Personal Accidental Insurance cover
- 1% fuel surcharge waiver (refer current MITC for cap)
- Benefits tied to defence identity — limited to target audience
- Forex 3.5%
- Non-defence audiences better served by SimplySave or SimplyClick
- No international lounge
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹1,500 + GST |
| Renewal fee | ₹1,500 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Base 2 RP per ₹100. Dining spends earn 10× (10 points per ₹100 = 4% cashback equivalent). CSD canteen purchases earn bonus 5× points. Points redeem at ₹0.25 per point (so headline rates translate to 0.5% base, 2.5% on dining). Milestone spends (₹1.5L annual) unlock a welcome-style voucher.
Key benefits
- Annual fee waiver for eligible defence personnel
- 8 domestic lounge visits per year
- 10× RP on dining
- 5× RP on CSD canteen spends
- 1% fuel surcharge waiver
- Air accident cover ₹1 crore
Who the SBI Shaurya Select is for
Serving or retired armed forces officers, JCOs and civilian defence staff. The fee-waiver path + CSD benefits make this the default for this cohort. Non-defence customers should pick a civilian equivalent.
Final verdict
A targeted card that does its job well for the intended audience. If you are not in the defence services, none of the standout benefits apply — skip this card.
FAQ
Do I need a defence service certificate to apply?
Yes — service ID card, discharge certificate or ECHS card is required for the fee-waiver and accelerated benefits.
Can retired personnel hold this card?
Yes — retired officers with ECHS/pension certificates are eligible, with the same waiver benefits.
Are CSD spends genuinely accelerated?
Yes — CSD canteen swipes are recognised by category code and earn the 5× bonus automatically.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.