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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).
🏛️State Bank of India (SBI Card)Network: RuPay / VisaSalaried & Everyday CardsLast Verified: 2026-09-28

SBI Card Shaurya

एसबीआई कार्ड शौर्य

Dedicated armed forces credit card for military and paramilitary personnel offering 5X rewards at CSD canteens, concessional 2.75% interest, and low ₹250 fee.

Annual Fee₹250 + GST (Renewal: ₹250 + GST)
Reward Rate5X Reward Points (5 points per ₹100 spent) on CSD (Canteen Stores Department), Dining, Grocery, and Departmental Stores. 1 Reward Point per ₹100 on other retail.
Airport LoungeNo complimentary airport lounge access included with standard variant.
Forex Markup3.50% + GST.
01

What Is This Card

SBI Card Shaurya is a dedicated defence credit card created exclusively for personnel of the Indian Armed Forces (Army, Navy, Air Force) and Paramilitary Forces (CRPF, BSF, CISF, ITBP, SSB, Assam Rifles). It provides 5X rewards at CSD canteens, low ₹250 annual fee, and a concessional 2.75% monthly interest rate.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹250 + GST (Renewal: ₹250 + GST)

Fee Waiver: Spend ₹50,000 or more in the preceding membership year to get the annual renewal fee of ₹250 reversed.

🎁Welcome Benefit

1,000 bonus Reward Points (worth ₹250) upon payment of joining fee + concessional interest rate of 2.75% per month.

⚡Reward Points Structure

5X Reward Points (5 points per ₹100 spent) on CSD (Canteen Stores Department), Dining, Grocery, and Departmental Stores. 1 Reward Point per ₹100 on other retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Points can be redeemed for statement credit, defense welfare vouchers, or merchandise.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access included with standard variant.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal Accidental Death Cover of ₹2 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee waiver on ₹50,000 annual spend.

Interest-Free Period: 20 to 50 days.

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What's Missing (Eligo's Honest Disclosures)

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Fine-Print Exclusions & Realistic Costs

Restricted exclusively to serving or retired armed forces and paramilitary personnel; civilians cannot apply. No airport lounge access on this base variant. Standard 3.50% forex markup applies on overseas deployments.

Forex Markup Fee3.50% + GST.
Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 2.75% per month interest.
Finance Charges (Interest)Concessional defence personnel rate: 2.75% per month (33.00% per annum) compared to standard commercial 3.50%.
Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.
Reward Points ExpiryReward points expire 24 months from date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility payments, wallet loads, rent payments, and government services.
04

Eligibility Criteria

Active duty serving or retired personnel of Indian Army, Navy, Air Force, Coast Guard, or Central Armed Police Forces (CAPF). Minimum age 21 years.

Age Requirement21 to 70 Years
Minimum IncomeDefence salary package account or defence pension certificate
CIBIL Score NoteRecommended CIBIL score of 700+.
SBI RelationshipSBI Defence Salary Package (DSP) or Paramilitary Salary Package (PMP) account preferred.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select SBI Card Shaurya.
2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).
3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).
4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).
5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).
6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available at any SBI Defence Banking branch or cantonment branch with Service ID card.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)
06

Documents Required

1. Military / Paramilitary Service Identity Card (or Ex-Servicemen Identity Card / PPO)
2. PAN Card
3. Aadhaar Card
4. Latest military pay slip showing DSP salary credit.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on SBI Card Shaurya?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Concessional defence personnel rate: 2.75% per month (33.00% per annum) compared to standard commercial 3.50%. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI Card Shaurya into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI Card Shaurya?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Points can be redeemed for statement credit, defense welfare vouchers, or merchandise. Please note: Reward points expire 24 months from date of accrual.
What is the interest-free grace period on SBI Card Shaurya and how does it work?
The interest-free period on SBI Card Shaurya is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Concessional defence personnel rate: 2.75% per month (33.00% per annum) compared to standard commercial 3.50%.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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