Shaurya Select SBI Credit Card: Exclusive Rewards for Defense Personnel
The Shaurya Select SBI Credit Card is a premium credit card designed exclusively for Indian defense personnel, offering tailored rewards and benefits. With accelerated reward points on dining, groceries, and movies, complimentary lounge access, and milestone vouchers, this card honors the service of Army, Navy, Air Force, and Paramilitary members. In this detailed guide, we explore its features, eligibility, fees, and more to help you decide if it’s the right fit for your financial needs. Read on to unlock the full potential of this card!
About Shaurya Select SBI Credit Card
The Shaurya Select SBI Credit Card is crafted for Indian defense personnel, offering 10 reward points per ₹100 on dining, groceries, and movies. With no joining fee, a ₹1,499 renewal fee (waived on ₹1.5 lakh spends), and benefits like 4 domestic lounge visits annually, milestone vouchers, and ₹10 lakh accident insurance, it’s a rewarding choice. Embossed with Army, Navy, Air Force, or Paramilitary insignia, this card blends pride with practical savings for everyday spends.
Basic Details of Shaurya Select SBI Credit Card
| Feature | Details |
|---|---|
| Card Image | |
| Card Issuer | SBI Card (State Bank of India) |
| Joining Fee | Nil |
| Renewal Fee | ₹1,499 + GST (Waived on ₹1.5 lakh annual spends) |
| Card Category | Defense, Rewards |
| Rewards | 10 RP/₹100 on dining, groceries, movies; 2 RP/₹100 elsewhere |
| Airport Lounge | 4 domestic visits/year (1/quarter) |
| Railway Lounge | Not available |
| Insurance | ₹10 lakh personal accident cover |
Extra Details of Shaurya Select SBI Credit Card
- RuPay-based card with contactless payment support up to ₹5,000.
- Embossed with Army, Navy, Air Force, or Paramilitary insignia for pride.
- Accepted at over 44 million global merchants and 3.7 million in India.
- Supports up to 2 add-on cards for family members above 18.
- Cash withdrawal available at 2 million+ ATMs worldwide, including 43,000 SBI ATMs in India.
- Easy Bill Pay facility for utility bill payments.
- Balance Transfer and Flexipay options for flexible payment management.
Features and Benefits
- Milestone Benefits: ₹500 Pizza Hut e-voucher per ₹50,000 quarterly spends; ₹2,000 Yatra/Pantaloons voucher on ₹2 lakh annual spends.
- Lounge Access: 4 domestic visits/year (1/quarter).
- Insurance: ₹10 lakh personal accident cover by RuPay.
- Fuel Surcharge Waiver: 1% waiver (₹500-₹4,000, max ₹250/month).
- Renewal Bonus: 1,500 reward points on renewal fee payment.
- Flexipay: Convert purchases above ₹2,500 into EMIs.
- Balance Transfer: Transfer other card balances at lower rates.
Rewards and Cashback
- Accelerated Rewards: 10 RP/₹100 on dining, groceries, movies, departmental stores (2.5% value, 1 RP = ₹0.25).
- Other Spends: 2 RP/₹100 on all other categories (0.5% value).
- Renewal Bonus: 1,500 RP on renewal fee payment.
- Redemption Options: Redeem against card balance or rewards catalogue (₹99/redemption).
- No Rewards: On fuel, cash withdrawals, or EMI transactions.
- Note: Rewards capped at 10,000 points/month for accelerated categories.
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Renewal Fee | ₹1,499 + GST (Waived on ₹1.5 lakh spends) |
| Finance Charges | 3.5% p.m. (42% p.a.) |
| Foreign Transaction Fee | 3.5% of transaction value |
| Fuel Surcharge Waiver | 1% (₹500-₹4,000, max ₹250/month) |
| Reward Redemption Fee | ₹99 per redemption |
| Cash Advance Fee | 2.5% (min ₹500) |
Eligibility Criteria
- Occupation: Serving Indian defense personnel (Army, Navy, Air Force, Paramilitary).
- Age: 21 to 65 years.
- Income: Stable source of income.
- Credit Score: Good credit score (typically 750+).
- Residency: Resident of India.
Documents Required
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID.
- Address Proof: Aadhaar Card, Utility Bill, Rental Agreement.
- Income Proof: Salary slips, ITR, or bank statements.
- Photograph: Recent passport-sized photograph.
- Defense ID: Valid defense service ID or certificate.
How to Apply for Shaurya Select SBI Credit Card
- Visit the SBI Card official website.
- Navigate to the Shaurya Select SBI Credit Card page and click “Apply Now.”
- Fill in personal, professional, and KYC details in the application form.
- Submit the form and receive an instant preliminary decision.
- Complete verification via a call from SBI Card team.
- Receive the card within 7-14 working days if approved.
How to Maximize Benefits
- Dining and Movies: Spend on dining and movies for 2.5% rewards.
- Groceries: Use at grocery stores for 10 RP/₹100.
- Departmental Stores: Shop at CSD or other stores for accelerated rewards.
- Milestone Spending: Spend ₹50,000/quarter for Pizza Hut vouchers; ₹2 lakh/year for Yatra/Pantaloons vouchers.
- Lounge Access: Utilize 4 domestic lounge visits for travel.
- Fuel: Use at petrol pumps for 1% surcharge waiver (up to ₹250/month).
Other Banks’ Similar Cards
- Shaurya SBI Credit Card: 5 RP/₹100 on CSD, dining, movies; ₹250 fee, ₹2 lakh insurance.
- Axis Bank Pride Platinum Credit Card: 8X rewards on select categories, no annual fee.
- PNB Rakshak Rupay Platinum Card: 1% cashback on retail, no joining fee.
- Indian Bank Bharat Card: 5% rewards on select spends, low fees.
Official Websites and Apply Link
Shaurya Select SBI Credit Card Review
The Shaurya Select SBI Credit Card is a great pick for defense personnel, offering 2.5% rewards on dining, groceries, and movies, plus milestone vouchers and 4 domestic lounge visits. The ₹10 lakh accident cover and no joining fee add value. However, the ₹1,499 renewal fee and 0.5% rewards on non-accelerated spends may limit appeal for non-defense users. Compared to Axis Bank Pride Platinum, rewards are competitive but category-specific. Ideal for defense members with high spends in reward categories.
Frequently Asked Questions (FAQs)
Who is eligible for the Shaurya Select SBI Credit Card?
Only serving Indian defense personnel (Army, Navy, Air Force, Paramilitary) aged 21-65 with a stable income and good credit score are eligible.
Can the renewal fee be waived?
Yes, the ₹1,499 renewal fee is waived if you spend ₹1.5 lakh or more annually.
What are the lounge access benefits?
The card offers 4 domestic lounge visits per year, with a maximum of 1 visit per quarter.
How do I redeem reward points?
Redeem points via the SBI Card portal or app for a ₹99 fee, against card balance or rewards catalogue.
Is this card suitable for non-defense personnel?
No, it’s exclusive to defense personnel, and non-defense users may find better general-purpose cards.
Disclaimer
The information provided about the Shaurya Select SBI Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not an official website of SBI Card. Please verify details with the official SBI Card website or contact their customer care before applying. CreditCardPath.in is not liable for any discrepancies or financial decisions made based on this content.
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