All Cards
rupaybasiccredit
SBI Shaurya Credit Card
SBI Card
shopping
Annual Fee
₹250
Joining Fee
₹250 + GST
Base Reward
1% points
Foreign Markup
3.5% on all foreign currency spends
Fee Waiver
Renewal fee waived on ₹50,000 annual spend
Interest Rate
2.75% per month
Welcome Benefits
1,000 bonus Reward Points
Product Highlights
- 1,000 Reward Points as a welcome gift
- Up to 5 Reward Points on every spend of ₹100
- Spend-based waiver of the renewal fee
- 1% fuel surcharge waiver
- Complimentary insurance cover against personal accident
Rewards
Earn 5 Reward Points on every spend of ₹100 on groceries, dining, CSD, movies, departmental stores, etc. Earn 1 Reward Point on every spend of ₹100 elsewhere.
Redemption
1 RP = ₹0.25 against statement balance
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5 Reward Points on groceries, dining, CSD, movies, departmental stores) | No cap |
Benefits & Features
1% waived on ₹500-₹3,000 transactions, max ₹250 per month
Fees & Charges
Annual Fee₹250
Joining Fee₹250 + GST
Fee WaiverRenewal fee waived on ₹50,000 annual spend
Foreign Markup3.5% on all foreign currency spends
Interest Rate2.75% per month
Cash Advance2.5% of the withdrawn amount or ₹500 (whichever is higher)
Redemption Fee₹99 + GST
Eligibility
Min Age
18 years
Available Networks
rupay
Pros & Cons
Pros
- 5 Reward Points on groceries and dining
- Low annual fee
- Renewal fee waiver on spending ₹50,000
Cons
- Limited to defense personnel
- Low reward redemption rate