Best Credit Cards for Defence Personnel

Credit cards are becoming increasingly popular. Customers have been extremely pleased with it because of the ease of use and the value it provides. India is a large country with a diverse population with varied needs. As a result of these demands, financial lenders are constantly updating and developing new ways to serve their customers. Credit cards have become handy as they provide instant cash disbursement for any immediate need. Furthermore, you can find different types of credit cards in the market one of them is Credit Card for Defence Personnel. A defence credit card is specially designed by keeping serving officers of the Indian Army, Air Force, Navy, and Paramilitary Forces in mind. We have identified the Best Credit Cards for Defence Personnel which you should definitely take a lookout for.

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    Dive deeper into this article to know more about the Best Credit Cards for Defence Personnel.

    Top 8 Credit Cards for Defence Personnel

    Credit CardsOffers for Defence PersonnelJoining FeeAnnual Fee
    Axis Bank Pride Platinum Credit CardGet 15% at selected restaurants under the Dining Delight Membership NILRs. 250
    (It may further be waived on spending Rs. 20,000 in the first year.)
    Axis Bank Pride Signature Credit CardEnjoy 2 complimentary visits to select airport lounges within India.NILRs. 500
    (The annual fee could be waived by spending Rs. 40,000)
    Shaurya SBI CardYou will receive 5x reward points in the Canteen Stores Department.INR 250INR 250
    Shaurya Select SBI CardYou can use the Shaurya Select SBI Card in 44-plus million merchant locations.NILINR 1499
    PNB Rakshak Credit CardOn 1st usage get 300+ reward points NILNIL if you use the card once in a quarter
    Indian Army Yoddha BoB Credit CardEnjoy 6 months Fit Pass Membership up to Rs. 15,000.Life Time FreeLife Time Free
    Veer Select Credit card - Kotak Mahindra BankComplimentary airport lounges up to 8 per year.NILINR 599
    Kisan Gold Card Loan for Defence PersonnelGet accidental insurance coverage up to Rs. 10 lakhs.--

    Axis Bank Pride Platinum Credit Card

    This Axis Bank Credit Card for Defence Personnel is exclusively designed for brave personnel serving in the Indian Defence Forces, Navy, and the Government of India employees. It provides various benefits across various categories for defence personnel to take advantage of. Furthermore, the Axis Bank Pride Platinum Credit Card has a tricolour print on it that says quite a lot about it.

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    • Stay safe with the EMV-Chip-enabled credit card.
    • It provides zero card liability protection.
    • Use the free add-on cards for your loved ones over the age of 18.
    • You will receive 4 reward points for every Rs. 200 spent with the credit card.

    Annual Fee – INR 250

    What makes this card is unique?

    This is one of the best credit cards for someone who is looking for benefits in various categories. Apart from being a defence personnel credit card, you can avail 15% discount in the top restaurants under the Dining Delight Offer.

    Axis Bank Pride Signature Credit Card

    The Axis Bank Pride Signature Credit Card is one of the Best Credit Cards for Low Income. It ranks at the top list of being Best Credit Card for Defence Personnel due to the privileges it comprises. Further, the Axis Bank Pride Signature Credit Card is indeed a blessing for those with a military background. This Axis Bank Defence Personnel Card, on the other hand, features a tricolour-shaded patron.


    • Get 2 complimentary lounge visits per year.
    • 15% discount of exclusive dining restaurants.
    • Enjoy the 1% fuel surcharges waiver at fuel stations.
    • On spending Rs. 200 you get 8 Edge reward points.
    • The rewards you earn can be redeemed for a variety of other offers.

    Annual Fee – INR 500

    What’s Special about the card?

    The special aspect of the Axis Bank Pride Signature Credit Card is that you can obtain a personalized card. It comes with shades of Indian tricolor embedded in it that look amazing. You will also receive a fourth embossing line for your service to the country.

    Shaurya SBI Card

    The Shaurya SBI Card is a credit card for defence personnel that offers benefits to Air Force, Army, Navy, and government defence personnel. This SBI Credit Card is a new product launched by the bank to serve the defence industry. It has a low joining fee of Rs. 250 and offers amazing benefits in a variety of categories.


    • Get 1000 reward points as a welcome gift while obtaining the credit card.
    • 5x reward points on dining, movies, department stores, and grocery purchases.
    • Enjoy up to 5x reward points on CSD.
    • 1 reward point for every Rs. 100 spent in other categories.
    • You will receive a 1% fuel surcharge waiver for fuel purchases ranging from Rs. 500 to Rs. 3000.

    Annual Fee – INR 250

    What’s special about the card?

    It comes with a nominal joining fee of Rs. 250 which however you can reverse on annual spending of Rs. 50,000.

    Shaurya Select SBI Card

    The SBI Shaurya Select Credit Card is the Best Credit Card for Defence Personnel. It was launched with the intent to serve the people serving as defence personnel in the Army, Navy, or Air Force. You can avail of benefits such as insurance coverage, concierge services, milestone rewards, and so on.


    • Get an Rs. 500 Pizza Hut e-voucher after spending Rs. 50,000 in a year.
    • Get Rs. 7000 e-vouchers from Yatra or Pantaloons.
    • Option for annual fee renewal.
    • Concierge services are available 24 hours a day, seven days a week.
    • Avail of up to 1% fuel surcharge across the country.

    Annual Fee – INR 1499

    What’s special about the card?

    This is the Best Credit Cards for Defence Personnel in India that you can avail of without paying any joining fee. In addition, while paying off the renewal fee you will get 1500 reward points. Complimentary accidental insurance covers up to Rs. 10 lacs. Further, if you are looking for a best fuel credit card then the Shaurya SBI Card is one for you.

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    PNB Rakshak Rupay Platinum Card

    It can be obtained without paying any joining fee or renewal fee if the credit card is being used once a quarter. This PNB Rakshak defence personnel credit card is the latest launch of the PNB. Further, it is one of the best credit cards with no annual fee.


    • 500+ reward points, and cashback on paying bills of eateries, utility bills, and restaurants.
    • Obtain up to 300+ merchant offers

    Annual Fee – NIL (It only implies if you use the PNB Rakshak Card once in a quarter)

    What’s Special about the card?

    You are getting the defence personnel advantages without paying any fees. Additionally, the Convenient mobile app “PNB GENIE” resolves all your problems and provides a one-stop solution.

    Indian Army Yoddha BoB Credit Card

    As you can understand the name Indian Army Yoddha BoB Credit Card is established to cater to the heroes of our nation. It is a lifetime free credit card as it comes with no joining or renewal fee. Here you get a chance to earn decent awards in various categories. Moreover, a welcome gift of Fit Pass membership of 6 months.


    • Enjoy up to 5x reward points. and
    • Complimentary lounge access up to 8 per year.
    • Earn 12 months of Amazon Prime membership after spending Rs. 1 lakh in 90 days.
    • 2 reward points on other categories.
    • Complimentary golf games.
    • Fuel surcharge waiver of 1%.

    Annual Fee – Life Time Free

    What’s special about the card?

    You are getting the Best Credit Cards for Defence Personnel without paying any fee. Besides that, in comparison to all other defence personnel cards, the Yoddha Credit Card is backed with a lot of benefits. Exclusive privileges of 1000 reward points on joining the credit card. It is the Best Credit Cards for Defence Personnel as you are getting a host of perks from various categories.

    Veer Select Kotak Mahindra Bank Credit Card

    Kotak Mahindra Bank has collaborated with the NPCI and launched the Kotak Veer Selected Defence Personnel Credit Card. It is a co-branded credit card specially designed for the armed forces. It is loaded with benefits, cashback, discounts, and many other things.


    • Avail of this Kotak Credit Card by paying a nominal joining fee.
    • Manage your daily spending while using the Veer Select Card and
    • 3 reward points across dining, movies, and departmental stores.
    • Get an IHO membership by spending Rs. 300 within 30 days of card issuance.
    • Enjoy 8 complimentary airport lounges in India.
    • 1% fuel surcharge on the Kotak Veer Card.

    Annual Fee – INR 599

    What’s special about the card?

    The card’s unique feature is that you can save up to 2.5% on transactions at Indian Railways Booking Counters when you use the Kotak Veer Card. In addition, as a railway surcharge waiver, you can save 1.8% on transactions on It enabled Rs. 2,50,000/- card insurance against fraudulent use.

    Kisan Gold Card Loan for Defence Personnel

    HDFC has been serving society with exclusive HDFC Credit Cards. It has launched the Kisan Gold Card Loan Card for all working Defence personnel with a minimum of one year of service. Further, within a short period, it has become the Best Credit Cards for Defence Personnel in India. Anyone from Army, Navy, Air Force, and Para Military services like BSF/ITBP/CRPF/Coastal Guards/ CISF and Assam/J&K Rifles are eligible to apply for the card.


    • Accident coverage insurance up to Rs. 10,00,000


    Defence Personnel Credit Cards were designed by keeping the real heroes of the country in mind. The banking sector wants to target each sector and individual of the nation. So, keeping that in mind different banking lenders have been regulating the credit card industry. They have launched some of the best defence personnel credit cards in India as a result of the regular updates. We mentioned a crisp about that card earlier. You can, however, read them and choose the one that best suits your needs.

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