Dedicated Defence Forces Card — 10X Rewards on CSD & Dining + ₹10L Insurance
Serving and retired Indian Armed Forces and Paramilitary personnel seeking accelerated rewards at CSD canteens, comprehensive accidental insurance, and military-tailored privileges.
Free
One-time upfront₹1,499
Waived on ₹1.5 lakh annual spend10 RPs/₹100 Spent on Dining, Groceries, Departmental Stores (Including CSD Canteen), and Movies. 2 RPs/₹100 on All Other Spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 10 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The SBI Shaurya Select Credit Card is a specialized financial product conceived exclusively in honor of India's defence community—including serving and retired personnel of the Indian Army, Indian Navy, Indian Air Force, and Paramilitary forces. Designed around the specific lifestyle and operational requirements of military families, the card features **₹0 Joining Fee** and awards 1,500 bonus reward points upon card setup. The renewal fee is ₹1,499, which is waived on spending ₹1,50,000 annually. The core reward engine delivers massive acceleration where defence families spend most: cardholders earn 10 Reward Points per ₹100 spent at Canteen Stores Department (CSD) canteens, military mess facilities, dining establishments, and grocery supermarkets—equivalent to an impressive 2.50% value return (1 Point = ₹0.25). General retail spending outside these categories earns 2 points per ₹100. Given that CSD purchases represent major monthly recurring expenditures for defence households, this accelerated multiplier generates significant annual savings. Crucially, the card includes a comprehensive complimentary **₹10 Lakhs Personal Accidental Insurance (Death)** cover tailored for defence personnel, providing an essential financial safeguard for families. The card also provides milestone reward vouchers upon crossing annual spend tiers. The main constraint is strict eligibility: civilian applicants cannot apply, as active Armed Forces service documentation is mandatory during onboarding. For defence personnel seeking optimized canteen rewards and insurance backing, SBI Shaurya Select is an outstanding tribute.
10 RPs/₹100 Spent on Dining, Groceries, Departmental Stores (Including CSD Canteen), and Movies. 2 RPs/₹100 on All Other Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Canteen Stores Department (CSD) & Dining | 10X Reward Points (10 RP per ₹100 spent = 2.5% valueback) | No Cap | Standard terms apply |
| All Other Spends | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Canteen Stores Department (CSD) & Dining | ₹12,000 | 10X Reward Points (10 RP per ₹100 spent = 2.5% valueback) | — | None | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively available to serving and retired personnel of Indian Armed Forces and Paramilitary forces. • Joining Fee: ₹0 (Nil joining fee for defence personnel). • Annual Renewal Fee: ₹1,499 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,50,000 or more in the preceding anniversary year. • Welcome Benefit: 1,500 bonus Reward Points (worth ₹375 to ₹1,500 based on redemption catalogue). • CSD & Dining Spends: 10 Reward Points per ₹100 spent at CSD canteens, dining, and grocery stores (2.50% return). • All Other Spends: 2 Reward Points per ₹100 spent on eligible retail transactions. • Personal Accidental Insurance: Complimentary ₹10,00,000 Personal Accidental (Death) insurance coverage for defence personnel. • Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹500 and ₹4,000 across petrol pumps in India (max ₹250/cycle). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.50% per month (42.0% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding SBI Shaurya Select Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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