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SBI Shaurya Card
SBI Shaurya Card is SBI's entry-level card built specifically for serving Indian Armed Forces and paramilitary personnel, with a very low ₹250 annual fee and 5X points on CSD canteen purchases and everyday categories like dining and groceries. It's a practical, low-cost card for defence personnel who want a personalised card with their service insignia, though it skips lounge access and other premium perks entirely.
Annual fee
₹250
Joining fee
₹250
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in groceries, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate · 5X points on CSD Canteen purchases, dining, departmental store/grocery spend, and movie tickets
- 🛒 Groceries
1.25% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹10,000
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 5X points on CSD Canteen purchases, dining, departmental store/grocery spend, and movie tickets
- Card can be personalised and embossed with the Army, Navy, Air Force, or Paramilitary insignia of the cardholder's service branch
Pros
- + Very low ₹250 annual fee, waived on just ₹50,000 spend
- + 5X points on CSD Canteen, dining, groceries, and movies
- + Personalised card with the cardholder's service-branch insignia
- + Zero joining fee
Cons
- − No lounge access at all
- − Restricted to serving defence and paramilitary personnel
- − Weak base reward rate outside bonus categories