SBI Shaurya Credit Card (2022) Review

Are you looking for a credit card specifically designed for Armed Forces Personnel? SBI Shaurya Credit Card is the right choice. This credit card comes with an Rs.250 joining fee and

an annual Rs 250. It also has reward points, complimentary insurance coverage, fuel surcharge waiver. It also provides an opportunity to earn bonus points on every transaction made using this credit card.

Let’s dive into SBI Shaurya Credit Card details in detail.

The armed forces personnel are the most respected citizens of our country and the ones who have to face a lot of hardships in their lives. They work for us, and we should make sure that they get proper benefits and facilities along with it.

While many credit cards are available on the market today, only some are specially designed for military personnel. This means that these people don’t get any rewards or special offers while using their card, which is unfair because they deserve more than what they’re getting right now!

SBI Shaurya Credit Card was launched by the State Bank Of India especially for military personnel, so if you’re personnel in the defense force, then this credit card is made just for you!

Here is the detailed review of the SBI Shaurya Credit Card

What’s Ahead

SBI Shaurya Credit Card (2022) Review
SBI Shaurya Credit Card (2022) Review

Joining & Annual Fees

  • Joining Fees: Rs.250
  • Annual fees Fees: Rs.250
  • Annual Fees Waiver: If you spend Rs.50,000 or more in the previous year.

You have to pay Rs.250 as your joining fees when you join. If you continue to be a part of this special credit card in the following year, you have to pay Rs.250 again as your annual fees. However, if you spend Rs.50,000 or more in the previous year, you don’t have to pay the annual fees for the following year.

Welcome Benefits

  • Welcome Rewards Points: 1,000 Rewards Points

When you sign up for an SBI Credit Card, you’re eligible for some welcome benefits. However, you still lose the GST part of the Joining Fees. It would have been nice if they’d given 500 Cashback or something similar as a welcome benefit.

Features & Benefits of the SBI Shaurya Credit Card

Here are the SBI Shaurya Credit Card benefits:

1. Reward Program.

  • Accelerated Rewards: You will get 5 rewards points for every Rs.100 spent on CSD, Dining, Departmental Stores, groceries, and movies.
  • Regular Rewards: 1 Reward point on every Rs 100 spent.
  • Rewards Points Value: 1 reward Point is Rs.25ps.

So, the default rewards rate is 0.25%, and Accelerated Rewards is 1.25%. The rewards value is good, But this reward structure is not as good as some other cards such as Citi bank Amazon Credit card & Axis Bank ACE credit card, which also do not have to join and annual fees, but offer 1.5% cashback on all spending.

2. Complimentary Personal Accidental Insurance

SBI also gives you personal accident insurance of Rs.2,00,000 just because you have SBI Shaurya Credit Card. However, this covers only you and doesn’t include the family.

For claiming the personal accidental cover, you have to intimate TATA AIG within 90 days of the accident by writing to

3. Annual Fee Waiver

If you spend Rs.50,000 or more in the previous year, you don’t have to pay SBI Shaurya Credit Card annual fees for the following year. This is one of the most attractive SBI credit card benefits.

4. Fuel Surcharge Waiver

If you’re planning to purchase fuel worth Rs.500 to Rs.3,000 in a single transaction at any fuel station across the country, you can avail of a 1% Fuel Surcharge Waiver. The maximum waiver you can get is Rs. 250 per statement cycle, per credit card account.

5. Personalized Credit Card

Your credit card comes embossed with your service branch, i.e., AIRFORCE, ARMY, NAVY & PARAMILITARY. This is a unique feature that not many credit cards have. It is designed to help you commemorate your time in the military and show your support for the brave men and women who serve our country.

6. Flexipay option

If you want to convert your purchase into EMIs, you can do so within 30 days of the purchase. All purchases up to Rs 2,500 can be converted into EMIs with this facility.

7. Add-on credit cards from your family

You can get two add-on credit cards from your family. Just make sure to keep track of your spending and don’t go overboard! Remember, you’re responsible for any charges on your card.

Pros and cons of SBI Shaurya Credit Card


  • SBI Shaurya Credit Card can be used at all Domestic & International merchant outlets
  • Shaurya SBI Credit Card comes with attractive reward points redeemed for SBI Reward Point Redemption Coupons or SBI Gift Cards.
  • Shaurya credit cards offer personal Accidental Insurance of Rs.2,00,000 just bcoz you have SBI Shaurya Credit Card.
  • This Credit card offers a Fuel surcharge waiver of 1% on fuel transactions worth Rs.500 to Rs.3,000


  • The rewards rate is not as good as other credit cards in the market.
  • A credit card is issued only to the service members who have been enlisted in any of the three forces, i.e., Army, Navy, and Air Force. It doesn’t offer any benefit to the Paramilitary forces.

How to apply for the SBI Shaurya Credit Card

This credit card can be applied online on SBI Bank’s official website or nearest the SBI branch. SBI Bank provides SBI Shaurya Credit Cards to the armed forces personnel only, So the bank will ask you to submit the necessary documents for verification.

After SBI Bank verifies your documents, SBI will provide you with SBI Shaurya Credit Card in about 10-15 days. It takes a while to process SBI Shaurya Credit Card applications since SBI must verify applicants’ service records.

Final Thought

SBI Shaurya Credit Card (2022) Review

The SBI Shaurya Credit Card is great for armed forces members, but it's not as good if you are just looking for a card with no annual fee and better rewards.

Editor's Rating:

If you’re looking for a credit card only available to those in the armed forces, this might be an option. However, other cards have better rewards and benefits, like Axis ACE Credit Card, which doesn’t charge any fees!

Do you have SBI Shaurya Credit Card? If yes, let us know how you found the SBI Shaurya Credit Card. You can share your SBI Shaurya review in the comment box below.

Some Frequently asked questions about SBI shaurya credit card.

Does the SBI Shaurya card have lounge access?

No, the SBI Shaurya credit card doesn’t have lounge access. SBI offers an SBI Shaurya Select credit card which has lounge access benefits. 

What is the Shaurya Credit Card Customer care number?

You can contact SBI’s 24-hour helpline number, 1800-11-2211 (toll-free), or 080-26599990.

What is the interest rate in the SBI Shaurya Credit card?

3.5% per month or (42.35% per annum)

Leave a Comment