Shaurya SBI Card
Last Updated : July 9, 2025, 6:46 p.m.
The Shaurya SBI Card is an exclusive credit card tailored for the brave personnel of the Indian Armed Forces — Army, navy, Air force, and Paramilitary forces. It offers powerful rewards, low fees, complimentary insurance, and worldwide usability. Introduced as an upgraded version of the Defense Gold Card, this card has become a sign of pride and privilege for service members.
Key Features and Benefits of the SBI Shaurya Credit Card
Welcome Benefits
- Welcome perk of 1000 reward points on paying the first-year annual fee of ₹250.
- Applicable for cards issued on or after May 1, 2021.
- Reward points will be credited within 15 working days post fee payment.
Reward Point Structure
| Spend category | Reward points |
|---|---|
CSD, dining, movies, grocery, and departmental stores. | 5X reward points per ₹100 spent |
Other Spends | 1 reward point per Rs. 100 spent. |
Redemption | 4 reward points = Re. 1 (You can use these reward points to pay your dues or redeem them for products in the rewards catalogue) |
Renewal Fee Waiver
- Spend ₹50,000 or more annually and get the renewal fee waived for the next year.
Fuel Surcharge Waiver
- 1% waiver at all petrol pumps across India
- Valid on transactions between ₹500 to ₹3,000
- Maximum waiver: ₹100 per statement cycle.
Complimentary Insurance
- All cardholders receive ₹2 Lakh Personal Accident Insurance provided via RuPay. This is a great family support initiative.
Worldwide Acceptance
Use your Shaurya SBI Card at:
- 44+ million merchant locations across 190 countries
- 3.7 million POS terminals in India
- Look out for Pulse, Discover, or Diners Plus signs overseas.
Add-on Cards for Family
- You can give Add-on Shaurya Cards to your family - Parents, spouse, siblings, or children above 18. They enjoy the same features, and you can earn rewards on their spends too!
Cash on the Go
- The Cash on the Go service provides access to 2+ million global ATMs, including 43,000+ SBI ATMs in India
- The service is internationally accepted via Pulse, Discover & Diners Plus networks.
Balance Transfer on EMI
- Transfer your outstanding from other cards to Shaurya SBI Card
- Lower interest rates + flexible EMIs
- Manage it easily via sbicard.com
Flexipay Option
Convert purchases of ₹2,500 or more into EMIs within 30 days.
- Log in to your sbicard.com account to activate Flexipay
- Smart budgeting made easy.
Shaurya SBI Credit Card Fees and Charges
| Type | Amount |
|---|---|
Joining/Annual Fee | ₹250 (1st Year), renewable annually |
Add-on Card Fee | NIL |
Renewal Fee Waiver | Waived off on annual spends of Rs. 50,000 or more in the previous year. |
Finance Charges | Up to 3.75% per month (45% p.a.) from the date of transaction. |
Late Payment Fee | ₹0 – ₹1300 based on amount due |
Overlimit Charges | 2.5% of the amount overlimit that exceeds the credit limit or Rs.600, whichever is greater |
Foreign Markup | 3.5% of the transaction amount |
Eligibility Criteria
- Should be a serving member of the navy, army, air force, or paramilitary.
- Indian resident aged 18 years and above
- Clean credit history and stable income.
Documents Required
| Document Type | Accepted Proofs |
|---|---|
ID Proof | PAN Card, Aadhaar, Defense ID |
Address Proof | Aadhaar, Passport, Voter ID, Utility Bill |
Income Proof | Salary Slip/Bank Statement |
Service Proof | Defense/Paramilitary ID |
How to Pay Your Shaurya SBI Credit Card Bill?
| Payment Method | How to Use? |
|---|---|
| Shaurya SBI credit card payment through Net Banking | Log in to SBI Net Banking → Credit Card → Pay Dues |
| SBI YONO App | Go to Cards → Pay Credit Card Bill |
| Shaurya SBI Credit Card payment through NEFT/IMPS | Add card as beneficiary (Use 16-digit card number) |
| Auto-Debit | Set standing instruction from your SBI bank account |
| BillDesk / PayTM / PhonePe | Use third-party platforms to pay with UPI or Net Banking |
Shaurya SBI Card Vs HDFC Regalia First Credit Card Vs Axis Pride Platinum Credit Card
| Feature | Shaurya SBI Card | HDFC Regalia First | Axis Pride Platinum |
|---|---|---|---|
Joining Fee | ₹250 | ₹1,000 | ₹250 |
Welcome Benefit | 1000 reward points | 1000 points | Nil |
Reward Points (5X) | CSD, dining, movies | Dining, travel, retail | Dining, departmental stores |
Insurance | Accidental cover of Rs. 2 lakhs | Air accident cover of Rs. 5 lakhs | Nil |
Fuel Surcharge Waiver | Yes. 1% surcharge waiver (Up to Rs. 100 per statement cycle) | Yes. 1% surcharge waiver (Up to Rs. 500 per statement cycle) | Yes. 1% surcharge waiver (Up to Rs. 250 per statement cycle) |
Global Usage | Yes | Yes | Limited |
Frequently Asked Questions (FAQs)
