Shaurya SBI Card
SBI
₹250
Joining fee
₹250, waived at ₹50k spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Restricted to defence personnel (serving or retired) — Air Force, Army, Navy, Paramilitary; card embossed with service branch insignia. Add-on cards available for parents, spouse, children, or siblings aged 18+. Age, income, and CIBIL requirements not specified.
Reward details
1 reward point per Rs 100 on all other eligible purchases
- 5 reward points per Rs 100 on Canteen stores, dining, movies, departmental stores, groceries
Welcome bonus: 1,000 reward points upon fee payment
Redemption
Cashback or rewards catalogue
Ratio: 1 reward point = Rs 0.25
Excluded from rewards: cash advances, balance transfers, fuel transactions
- Rs 2 lakh personal accident insurance coverage
- 1% fuel surcharge waiver on Rs 500-3,000 transactions, capped at Rs 100/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee — Paisabazaar
- Accelerated rewards on everyday categories — Paisabazaar
- Fuel savings valued — Paisabazaar
Complaints
- Low redemption value creates modest effective reward rates — Paisabazaar
- Lacks travel benefits such as lounge access — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment