एसबीआई कार्ड शौर्य
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Dedicated armed forces credit card for military and paramilitary personnel offering 5X rewards at CSD canteens, concessional 2.75% interest, and low ₹250 fee.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
1,000 bonus Reward Points (worth ₹250) upon payment of joining fee + concessional interest rate of 2.75% per month.
No complimentary airport lounge access included with standard variant.
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per statement cycle).
Annual fee waiver on ₹50,000 annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Active duty serving or retired personnel of Indian Army, Navy, Air Force, Coast Guard, or Central Armed Police Forces (CAPF). Minimum age 21 years.
न्यूनतम वार्षिक आय आवश्यकता
Defence salary package account or defence pension certificate
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI Card Shaurya. 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.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.