SBI Shaurya Credit Card

The base SBI Shaurya Credit Card serves as a trusted, accessible financial utility designed specifically for the Indian military and paramilitary community. Carrying a nominal joining and annual fee of ₹250 + GST (which is waived upon spending just ₹50,000 annually), the card provides a reliable, low-overhead credit line tailored to the everyday purchases of armed forces personnel and their families. The card's main feature is 5X reward points (5 points per ₹100 spent) on purchases at Canteen Stores Department (CSD) canteens, military mess facilities, and grocery stores, alongside 1 point per ₹100 on other retail categories. For defence families who channel monthly household groceries, clothing, and household supplies through official canteens, this rate delivers guaranteed savings. The card also bundles a complimentary **₹2 Lakhs Personal Accidental Insurance** cover for the cardholder, alongside a 1% fuel surcharge waiver across petrol stations in India. While the 5X earn rate (1.25% return) is lower than the 10X rate (2.50%) on the Shaurya Select tier, the entry barrier is correspondingly much lower: the ₹50,000 annual spend waiver is achievable on canteen purchases alone within 3 to 4 months. There is no airport lounge access, and civilians cannot apply. For junior commissioned officers and soldiers who desire a straightforward, economical card with canteen rewards and military insurance, SBI Shaurya is a dependable tool.

Additional Cardholder Privileges

Mandatory Verification Documents