Shaurya Select SBI Card
SBI
Free
Joining fee
₹1,499, waived at ₹1.5L spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Designed specifically for military personnel — requires serving or retired defence personnel status; card can be embossed with Army, Navy, Air Force, or Paramilitary insignias (Coast Guard insignia not supported). Age/income/CIBIL not specified. No gender-based restrictions mentioned.
Reward details
2 reward points per Rs 100 on other categories (0.5% value-back)
- 10 reward points per Rs 100 (2.5% value-back) on CSD/Canteen/Dining/Movies/Department Stores/Groceries
- Rs 50,000 quarterly spend: Rs 500 Pizza Hut e-gift voucher
- Rs 5 lakh annual spend: Rs 7,000 Yatra/Pantaloons e-gift voucher
Redemption
Ratio: 1 reward point = Rs 0.25
- Annual renewal bonus: 1,500 reward points upon fee payment
- 24x7 concierge services
- Personal accidental insurance Rs 10 lakh cover
- 1% fuel surcharge waiver (Rs 500-4,000 transactions, capped at Rs 250/month)
- No specified caps on category rewards
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 5X rewards on canteen stores and other everyday categories — Paisabazaar
- Complimentary lounge access appeals to defence personnel seeking everyday savings — Paisabazaar
Complaints
- Low reward redemption value (1 RP = Rs 0.25) — Paisabazaar
- Low 0.5% reward rate on other spends limits overall utility — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, eligibility, lounge, rewards, sentiment