SBI Shaurya Credit Card

SBI Shaurya Credit Card is only for defence people — Army, Navy, Air Force and also Paramilitary forces. Mostly those who are having defence salary account with SBI, they are eligible. The bank is not treating it like a regular shopping credit card; more like a service-benefit facility for serving personnel.

Actually, earlier there was the Defence Gold Card, but in 2019, the Shaurya card came as its upgraded version. One different thing you will notice — the card comes with respective service branch insignia printed on the card itself, so it is clearly identified as a defence category card.

So if a civilian customer is asking, the bank cannot issue. Only verified armed forces/defence salary account holders will qualify; otherwise application will not proceed in the system.

1. Also, one more thing — this card is not a single type. It comes in two variants, And It came in the RuPay Network:
   • Shaurya SBI Card — Regular or Base version
   • Shaurya Select SBI Card — premium version

The Shaurya SBI Card is the base entry-level variant in SBI Card’s defence credit card series. As of 2026, it is still a low-cost card and mainly useful for canteen purchases and regular daily spending, so if the customer uses it for routine expenses, the reward value comes properly. Let’s Know the Benefits –

What are the Benefits of The Shaurya Base Card?

As of 2026, the Shaurya SBI Card (Base variant) gives proper benefits mainly kept in mind for defence personnel, not only rewards, but also small insurance cover and spending flexibility.

1. Welcome Benefit

• Reward points are generally credited within 15 working days after the annual fee payment is confirmed in the card account.
• After payment of the first year’s annual fee of ₹250, the welcome gift is activated.
• Customer receives 1,000 reward points as a welcome benefit.

2. Rewards & Welcome Benefits

• 5X rewards — 5 points per ₹100 spend on CSD canteen, dining, movies, grocery and departmental stores.
• Other spending gives 1 reward point per ₹100.
• Redemption value is 4 points = ₹1; points can be adjusted in statement credit
• You can also redeem your Reward Points against a host of options from the SBI rewards catalogue.
• You can easily check available reward points in the SBI Card mobile app anytime.

3. Insurance & Security

• For RuPay Variant, you can use UPI on any third-party apps such as Paytm OR Google Pay.
• Complimentary ₹2 lakh personal accident insurance available on the RuPay variant.
• Contactless “tap and pay” facility, so small payments can be done quickly without swiping.
• In case the card is lost or stolen, the customer can call the SBI Card helpline and block it immediately to avoid misuse.

4. Fee Savings & Fuel Benefits

• 1% fuel surcharge waiver at petrol pumps for transactions between ₹500 and ₹3,000 (statement cycle cap around ₹100–₹250 as per terms).
• Annual fee is ₹250, but waived if yearly spending crosses ₹50,000.

5. Other Useful SBI Card Facilities

• Card is printed with service branch name — Army, Navy, Air Force or Paramilitary.
• Cash withdrawal facility available on a large ATM network worldwide, including 40,000+ SBI ATMs in India (though normally we advise avoiding cash withdrawal because charges apply).
• Works internationally and is widely accepted at merchants and POS machines in India and abroad.
• Up to two add-on cards can be issued for family members above 18 years.
• Purchases of ₹2,500 or more can be converted into EMI within 30 days using Flexipay.
• Outstanding balance from other bank credit cards can be transferred to this card on EMI at a lower interest.
• Utility bills like electricity, telephone and mobile recharge can be paid directly through the card.

What are the Credit Card — Limit & Eligibility

For Shaurya SBI Card (Base) there is no fixed pre-decided limit. SBI does not keep one common amount. System checks customer profile and then only limit is approved.

1. Credit Limit Details

• Limit is decided after checking the salary, repayment record, credit score and existing loans/EMIs.
• If credit score is around 750 or above, approval chances and better limit both improve.
• Normally, for defence salary around ₹25,000 per month, starting limits are often seen roughly ₹20,000 to ₹50,000 (not official, but commonly approved range).
• Cash withdrawal limit is usually up to about 80% of the total credit limit.
• After around 6 months of proper usage (no late payment, no overdue), customer can request limit enhancement by submitting latest salary slip or ITR.

2. Eligibility Criteria

• The card is only for serving or retired defence personnel — Army, Navy, Air Force and Paramilitary. Civilian customers are not eligible.
• Age (Salaried): 21 to 70 years
• Retired/Pensioner: generally 40 years and above
• Must have a stable income source. Entry-level approval usually needs about ₹2 lakh yearly income (approx ₹15,000–₹20,000 monthly).
• Applicant must be an Indian resident citizen.
• Defence salary account with SBI helps in smoother approval.

3. Required Documents

Simple understanding: If defence customer has proper salary account, decent credit score and no heavy loan burden, approval normally comes without much issue. Most rejections happen only when credit history is poor or when the documents mismatch in records.

Similar Cards in Market (Defence Category)

See, Shaurya SBI Card is not the only option. Many banks have launched special credit cards only for Army, Navy, Air Force and Paramilitary personnel. Most of these are lifetime free or low annual fee, and mainly reward canteen and daily household spending.

Comparison: Like Shaurya (5X rewards on CSD/daily use), all these cards focus on routine spending. Main difference is lounge access and insurance cover. The Shaurya base variant does not give lounge visits, while ICICI and Axis cards provide them. Some premium defence cards also give higher accident cover compared to Shaurya.

So, Shaurya is a simple and safe low-cost card, but for frequent travel or airport usage, other defence cards may feel more useful.

Charges & Apply Process — Shaurya SBI Card

See, this card is kept low-cost because it is meant for defence customers, but still some standard credit card charges apply, so customer should know before using.

1. Fees & Charges

Note: Cash withdrawal and overdue payment both attract heavy charges, so normally expert advise customer to pay the full bill and avoid ATM withdrawal from credit card.

2. Application Process

Customers can apply both online and offline. Approval will happen only after the defence verification.

Online (Website Method)

1. Go to the official SBI Card website.
2. Open Credit Cards → Defence → Shaurya SBI Card section.
3. Click Apply Now and fill personal, employment and service details.
4. OTP verification will come on the registered mobile number, and the application is submitted.

Offline / Other Ways

1. SBI Branch: Visit the branch with a Defence ID card and income proof documents.
2. Customer Care: Call 39 02 02 02 (add your STD code before dialling).
3. Ask ILA Chat: Apply through the chatbot assistant on the SBI Card portal.

3. Apply via Easemoney

You can also apply from easemoney. From the article page, clicking the apply button will directly redirect you to the official SBI Card application page, so the application still goes to SBI only — Easemoney does not collect documents or approve the card; it only forwards the customer safely to the bank application portal.

FAQs