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SBI Shaurya Select Card
SBI Shaurya Select is the premium version of the Shaurya card line for defence and paramilitary personnel — free in the first year, then ₹1,499 from year two, in exchange for domestic lounge access and a much stronger 10X reward rate on everyday categories like dining, groceries, and CSD Canteen spend. It suits defence personnel with higher regular spend who want more than the base Shaurya card offers, provided they can comfortably clear the renewal-fee waiver threshold.
Annual fee
₹1,499
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in groceries, dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per year, a meaningful upgrade over the base Shaurya card's lounge-free structure
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate · 10X points on dining, groceries, movies, and departmental stores including CSD Canteens
- 🛒 Groceries
2.5% reward rate
- ✈️ Travel
4 complimentary domestic airport lounge visits per year, a meaningful upgrade over the base Shaurya card's lounge-free structure
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,000
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- 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- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- 4 complimentary domestic airport lounge visits per year, a meaningful upgrade over the base Shaurya card's lounge-free structure
- 10X points on dining, groceries, movies, and departmental stores including CSD Canteens
Pros
- + Free for the first year
- + 4 domestic lounge visits a year
- + 10X points on dining, groceries, movies, and CSD Canteen spend
- + Meaningful step up in earn rate over the base Shaurya card
Cons
- − ₹1,499 renewal fee from year two needs ₹1.5 lakh spend to waive
- − Restricted to serving defence and paramilitary personnel
- − Standard 3.5% forex markup makes it weak for international spends