SBI Card
SBI Shaurya Select Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
10% points
Foreign Markup
3.5% on all foreign currency spends
Product Highlights
- Exclusive for defense personnel
- 1,500 bonus Reward Points on card renewal
Category Rewards
dining
10X on dining, departmental stores, movies, groceries
10X
Specialty
10X on dining, departmental stores, movies, groceries
10X
entertainment
10X on dining, departmental stores, movies, groceries
10X
grocery
10X on dining, departmental stores, movies, groceries
10X
Fee Waiver
Waived on ₹1.5L annual spend
Reward Calculator
Costs you ₹269/year
Break-even needs ~₹15,332/month at your reward mix.
₹13K
across all your buckets
6K
SBI Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.96%
Annual fee
₹1,769
Year 1 net
₹-269
Year 2+ net
₹-269
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
₹1,000 Pizza Hut e-voucher
per year · You spend ≈ ₹6L
₹7,000 e-Gift voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10 Reward Points on every ₹100 spent on dining, groceries, departmental stores (including CSD Canteen), and movies. Earn 2 Reward Points on every ₹100 spent on all other transactions.
- 1 Reward Point = ₹0.25 against outstanding balance
Benefits & Features
Domestic: 4 Visits Each Year (One Per Quarter) Free domestic airport lounge visits for defense personnel
Pros & Cons
Pros
- 10 Reward Points on dining, groceries, and movies
- 1% fuel surcharge waiver
- Renewal fee waived on spending ₹1.5 lakhs
Cons
- Annual fee of ₹1,499 from the second year
- No Reward Points on fuel transactions
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹1.5L annual spend