Shaurya SBI Card

Best for: Defence personnel wanting a low-cost everyday rewards card, Heavy CSD canteen, dining and grocery spenders, First-time cardholders in the armed forces

Entry tier — great for first-time and lower-spend users.

Strongest value if you spend heavily on Dining ( 1.25% back).

• Very low Rs.250 annual fee, waived at just Rs.50,000 annual spend
• 5X Reward Points on everyday dining, movies, grocery, departmental store and CSD spends
• 1,000 welcome Reward Points offsets the first-year fee
• Built for defence personnel with CSD canteen spends counted at 5X

• Eligibility is limited to armed-forces / defence personnel
• Base earn of ~0.25% is minimal; points are worth only Re.0.25 each
• No lounge access — it is a basic entry card
• Rewards are basic outside the 5X categories — 1 Reward Point per Rs.100 on all other spends

Ways to convert what you earn into real value.

🎁 Pay your card outstanding with Reward Points (4 RP = Re.1)

🎁 Redeem Reward Points against gifts from the SBI Card rewards catalogue

The Shaurya SBI Card offers dedicated defence personnel an accessible everyday payment option, combining a minimal ₹250 annual fee with 5X reward acceleration on CSD canteens, groceries, departmental stores, and dining. With an easily achievable ₹50,000 annual spend waiver and a welcome bonus that neutralizes the joining fee, it serves as a practical, low-cost card for routine household spending.

Sources & verification

Fees, reward rates, and benefits for the Shaurya SBI Card are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

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Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2019 · 6 changes · last change Apr 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Redemption Observed 26 Feb 2026 · Effective 1 Apr 2026

Statement-credit redemption capped & blocked into 4,000-point multiples

Unrestricted statement-credit redemption, any point quantity → Max 60,000 RP/month; redeemable only in multiples of 4,000

Effective 1 April 2026, SBI Card capped statement-credit redemption at 60,000 Reward Points per card per calendar month and required redemptions in multiples of 4,000 points, removing partial/small redemptions. The 4 RP = ₹1 (₹0.25/point) conversion rate is unchanged. Applies to the Shaurya SBI Card (only Air India SBI Signature and the two PhonePe SBI variants are exempt).

Verification: SBI Card ↗ · Confidence: High

▼ Fee Effective 1 Nov 2025

1% fee on third-party education payments & wallet loads

No surcharge on education/wallet-load spends → 1% fee on 3rd-party education fees & wallet loads over ₹1,000

In its system-wide fee revision effective 1 November 2025, SBI Card added a 1% fee on education-fee payments made via third-party apps/aggregators (Paytm, PhonePe, Razorpay, etc.; direct school/college website or campus POS payments stay free) and a 1% fee on digital-wallet loads exceeding ₹1,000. Applies to the Shaurya SBI Card.

Verification: SBI Card ↗ · Confidence: High

▼ Reward Effective 1 Jun 2024

Government transactions stop earning reward points

Earned → Excluded

From 1 June 2024, government-related transactions (MCC 9399 and 9311 — tax, fines and government-service payments) on the Shaurya SBI Card no longer accrue reward points. Date corrected 2026-08-06 from 15 July to 1 June 2024: the card's own T&C booklet says "W.e.f. 01 Jun 2024". 15 July 2024 is the APOLLO card's date, and had been copied across.

Verification: SBI Card ↗ · Confidence: High

▼ Reward Observed 1 Mar 2024 · Effective 1 Apr 2024

Reward points removed on rent payments (MCC 6513)

Base RP earned on rent payments → No RP on rent payments (MCC 6513)

SBI Card stopped awarding Reward Points on rent payments coded under MCC 6513, effective 1 April 2024 for standard cards. As an RP-earning SBI-branded card, the Shaurya SBI Card was covered; combined with the ₹199 processing fee, rent became a fully unrewarded, fee-bearing spend.

Verification: SBI Card ↗ · Confidence: High

▼ Fee Effective 15 Nov 2022

Rent-payment processing fee introduced (₹99, later ₹199)

No rent-payment processing fee → ₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)

SBI Card began levying a ₹99 + GST processing fee on every rent-payment transaction from mid-November 2022, then doubled it to ₹199 + GST effective 17 March 2023. Applies system-wide, including the Shaurya SBI Card.

Verification: CardAdvisor Research · Confidence: High

◆ Launch Effective 2019

Shaurya SBI Card launched (replacing the Defence Gold Card)

Around September 2019 SBI Card launched the Shaurya SBI Card, a RuPay-network card for serving and retired armed-forces personnel that replaced its earlier Defence Gold Card. At launch it carried a ₹250 joining/renewal fee waived at ₹50,000 annual spend, 5X Reward Points (5 RP per ₹100, ~1.25%) on dining, movies, departmental stores, grocery and CSD-canteen spends with 1 RP per ₹100 (~0.25%) elsewhere at 4 RP = ₹1, a 1,000-point welcome benefit that roughly offsets the first-year fee, a 1% fuel-surcharge waiver and a ₹2 lakh RuPay personal-accident cover; there is no lounge access.

Verification: CardAdvisor Research · Confidence: Reconstructed

↓ Show all 6 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Quick summary

Type Entry credit card

Reward rate 0.25%–1.25%

Best for Defence personnel wanting a low-cost everyday rewards card

Joining fee ₹250

Annual fee ₹250

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 5 Aug 2026

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