वेतनभोगी एवं दैनिक उपयोग (Salaried)नेटवर्क: RuPay / Visaसत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई कार्ड शौर्य सेलेक्ट

जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)

Premium military credit card for defence officers offering 10X CSD canteen rewards, 4 domestic lounge visits, concessional 2.75% interest, and ₹10L insurance cover.

वार्षिक शुल्क (Annual Fee)₹1,499 + GST (Renewal: ₹1,499 + GST)

शुल्क माफी खर्च सीमाSpend ₹1,50,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

रिवॉर्ड दर (Reward Rate)10 Reward Points per ₹100 spent on CSD (Canteen Stores Department), Dining, Grocery, Departmental Stores, and Movies. 2 Reward Points per ₹100 on other retail.

ब्याज प्रभार (APR)Concessional defence officer rate: 2.75% per month (33.00% per annum).

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

SBI Card Shaurya Select is an enhanced premium defence credit card designed for Commissioned Officers, Junior Commissioned Officers (JCOs), and senior personnel of the Indian Armed Forces and Paramilitary. It combines 10X CSD canteen rewards, domestic airport lounge access, and enhanced insurance protection.

स्वागत लाभ (Welcome Benefit)

1,500 bonus Reward Points (worth ₹1,500 on military lifestyle vouchers) upon payment of joining fee + concessional 2.75% monthly interest rate.

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

माइलस्टोन खर्च लाभ (Milestone Perks)

Complimentary Yatra/Pantaloons voucher worth ₹1,500 on reaching ₹2 Lakhs annual spend. Annual fee waiver on ₹1.5 Lakh spend.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

Serving or retired Commissioned Officers / JCOs / Senior NCOs of Indian Armed Forces and CAPF. Minimum age 21 years.

न्यूनतम वार्षिक आय आवश्यकता

Commissioned Officer / JCO rank pay band under Defence Salary Package

CIBIL स्कोर आवश्यकता: Recommended CIBIL score of 720+.

📂आवश्यक दस्तावेज (Required Documents)

1. Military Officer Identity Card 2. PAN Card 3. Aadhaar Card 4. Latest military pay slip showing officer grade pay.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)

Strictly restricted to armed forces and paramilitary personnel. Domestic lounge visits are limited to 1 per quarter. International lounge access requires payment of standard lounge walk-in charges.

विलंब भुगतान शुल्क: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.

एटीएम नकद निकासी शुल्क:2.5% of transaction amount or ₹500 (whichever is higher) + 2.75% per month.

विदेशी मुद्रा मार्कअप:3.50% + GST.

🚀आवेदन के चरण (How to Apply)

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

आधिकारिक कार्ड पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What happens if I miss the minimum payment due on SBI Card Shaurya Select?

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 officer rate: 2.75% per month (33.00% per annum). 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 Select 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 Select?

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). Please note: Reward points expire 24 months from accrual.

What is the interest-free grace period on SBI Card Shaurya Select and how does it work?

The interest-free period on SBI Card Shaurya Select 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 officer rate: 2.75% per month (33.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.