Card Details
Shaurya SBI Card
Card Issuer
SBI Card
Joining Fee
₹250
Annual Fee
₹250
Reward Type
Reward Points
Card Access
Standard
Offers from SBI Card
See allMobile-Station: Up to Rs 6000 Instant Discount
Electronics Deals · till 24 Oct 2026
Mehta-Telecom: Up to Rs 7,500 Instant Discount.
Exclusive Discounts · till 24 Oct 2026
Manish: Up to INR 9,000 Instant Discount at Manish Sales stores.
Exclusive Discounts · till 24 Oct 2026
Amrit: Up to Rs 7,000 Instant Discount at Amrit Mobiles.
Electronics Deals · till 25 Oct 2026
Surya-Electronics: Up to Rs 8,500 Instant Discount at Surya Electronics.
Electronics Deals · till 25 Oct 2026
Earn Points
5X
On csd and departmental stores
5X
On dining
5X
On movies
5X
On grocery
Benefits
5X Reward Points on CSD, dining, movies,…
- 5X Reward Points on CSD, dining, movies, departmental stores, and grocery spends
- 5X Reward Points on accelerated categories
1% fuel surcharge waiver up to ₹100 per…
- 1% fuel surcharge waiver up to Rs. 100 per statement cycle
- 1% fuel surcharge waiver on ₹500-₹3,000 transactions
Things to Keep in Mind
Welcome benefit of 1,000 Reward Points is on payment of first-year annual fee and is credited within 15 working days.
Complimentary personal accidental insurance cover of ₹2 lakh is applicable only on RuPay network cards.
Multiple benefits are subject to T&C and MITC.
Welcome benefit of 1,000 Reward Points is available after payment of the first-year annual fee and is subject to terms and conditions.
No airport lounge access, IRCTC surcharge waiver, UPI benefit, or reward cap is specified on the fetched product page.
Card insights
Alternatives
If you spend…
Recommendation
Lounge on defence card
Axis Bank Pride Signature Credit CardOnline spends
Cashback SBI CardOffline cashback
ACE Credit CardFrequently Asked Questions
SBI does not publish a fixed limit for Shaurya, and users note that SBI can share one limit across all your SBI cards.
Built for one kind of cardholder
The Shaurya SBI Card is for defence and paramilitary personnel who shop regularly at CSD canteens. It costs ₹250 + GST a year and pays its best rate on canteen, grocery, departmental store, dining and movie spends. Outside those five categories it earns very little.
This page covers the ₹250 Shaurya card. The Shaurya Select SBI Card is a separate product with a ₹1,499 annual fee, so check which name is on your offer letter.
What 5X means at the canteen
- CSD canteens, departmental stores and grocery: 5 reward points per ₹100.
- Dining and movies: 5 points per ₹100.
- Everything else: 1 point per ₹100.
SBI's product page does not state a point value. If a point is worth 25 paise, SBI's usual statement-credit value, 5X is about 1.25% and the base rate is about 0.25%. Our notes mention a monthly cap on 5X points, but it is not on SBI's product page, so confirm it in the MITC before a very large canteen month.
A year that justifies the card
Say you put ₹10,000 a month on CSD, groceries and dining, and ₹80,000 across the year on everything else, with points at that assumed 25 paise:
- ₹1.2 lakh at 5X: 6,000 points, about ₹1,500.
- ₹80,000 at 1X: 800 points, about ₹200.
That is roughly ₹1,700 a year. Your ₹2 lakh of spend also clears the ₹50,000 renewal waiver, so the ₹250 fee does not come back. In the first year, the 1,000 welcome points you get after paying the fee are worth about ₹250 at that value, which covers the fee before GST.
Take the canteen spend away and the same ₹2 lakh earns about ₹500.
What the card does not do
There is no airport lounge access, and users report the usual 3.5% forex markup. Five threads in the sentiment report say this is a real gap for personnel who travel or are posted abroad. The card does have a 1% fuel surcharge waiver on fills of ₹500 to ₹3,000, up to ₹100 a cycle, and a ₹2 lakh personal accident cover on RuPay cards. Because it is RuPay, you can link it to UPI, though no extra UPI reward is listed.
The other common complaint is about SBI, not Shaurya: physical KYC, slow approvals and credit limits shared across SBI cards come up in 8 threads.
Who should carry Shaurya, and what to pair it with
Carry it if you are eligible, shop at the canteen most months, and want a cheap SBI card that users say also works for SBI's festive sale discounts.
Pair it with something else for the rest of your spending. Users preferred the Cashback SBI Card for online spends, and lean towards Axis Pride if lounge access matters.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
