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LoansJagat Team
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9 Minute
27 Feb 2025
SBI Shaurya Credit Card 2025: Quick Guide & Updated Details
Anil, a Defence officer, was delighted with his SBI Shaurya Credit Card and its advantages.
- Once he paid the fee of ₹250 for one year, he got 1,000 welcome reward points as a gift.
- A ₹500 expenditure on dining outside earned him 25 points (5X on dining) and a ₹1,000 spend on groceries yielded 50 points (5X on groceries).
- By making a payment of ₹50,000 within a year, Anil saved his renewal fee for the following year. At the time of refueling with ₹2,000, he saved ₹250 due to the fuel surcharge waiver.
- Additionally, the card provides ₹2 lakh personal accident insurance for further security.
Anil had rewards, savings, and peace of mind with the SBI Shaurya Credit Card and made life that much more convenient!
Shaurya SBI Credit Card features special benefits, privileges, and features designed especially for defense people and their family members. It offers benefits such as reward points, fuel surcharge refund, insurance coverage, and others for the support of Army, Navy, Air Force, and Paramilitary Forces personnel.
What is SBI Shaurya Credit Card?
SBI Shaurya Credit Card, previously Defense Gold Card, is a unique card launched by State Bank of India (SBI) for defence and paramilitary personnel such as Army, Navy, Air Force, and Paramilitary Forces personnel and their families. The card is loaded with several benefits such as reward points on expenses, exemption of fuel surcharge, and full insurance.
It also provides special privileges such as dining, shopping, and travel discounts, giving additional convenience and financial assistance. To address the specific requirements of defense personnel, the Shaurya SBI Card makes sure that they are duly recognised and rewarded for their services. With its enticing features, it is an indispensable financial resource for members of the armed forces and their dependents.
Key Features of the SBI Shaurya Credit Card
Here's a table summarising the features of the SBI Shaurya Credit Card
Feature | Description |
Worldwide Acceptance | Accepted at over 44 million merchant locations globally and 3.7 million terminals in India. Including establishments with Pulse, Discover, and Diners Plus signage. |
Add-on Cards | Family members (spouse, children, parents, siblings above 18) can use add-on cards. Providing financial flexibility while the primary cardholder manages expenses. |
Cash Withdrawal at ATMs | Access to over 2 million ATMs worldwide, including 43,000 SBI ATMs across India, for easy cash withdrawals globally. |
Utility Bill Payment Facility | Facilitates bill payments for electricity, mobile, and telephone bills directly from the credit card account, simplifying the payment process. |
Balance Transfer on EMI | Allows transferring outstanding credit card dues from other banks to SBI Shaurya Credit Card, paying them off at lower interest rates via EMIs. |
Flexipay | Flexipay is a facility that allows SBI Shaurya Credit Cardholders to convert purchases into easy monthly installments.
Log in to sbicard.com within 30 days of the purchase. Convert the purchase into Flexipay for monthly installments.
Nominal interest rate is charged. Available for purchases over ₹2,500. Valid for 30 days after the purchase date.
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Benefits of the SBI Shaurya Credit Card
Benefits | Description |
Welcome Gift | When you pay the annual fee for the first year of ₹250 (for cards activated after May 1, 2021), you will be given a welcome gift of 1,000 reward points. These reward points will be credited to your account within 15 working days from the date of payment.
After your card is activated, you are charged the first-year annual fee of ₹250. In return, you get a welcome gift of 1,000 reward points. The points are added to your account automatically within 15 working days of receiving your payment. |
Reward Points on Every Transaction | SBI Shaurya Credit Card holders earn 5X Reward Points on select categories such as:
Dining Movies Departmental Stores Grocery Purchases
Grocery Spending: You spent ₹1,000 on groceries. You earn 50 points (5 points for each ₹100 expended). Other Purchases: You spend ₹2,000 on clothes. You gain 20 points (1 point for every ₹100 spent). Now, after a few purchases, you’ve accumulated a total of 95 points. These points can be redeemed for rewards or discounts, making your card even more valuable! |
Waiver of Renewal Fee | The SBI Shaurya Credit Card offers a waiver on the annual renewal fee if you spend a minimum of ₹50,000 in a year.
The next year's annual fee will be waived as a result of your spending. Here's how you can avail the waiver of the renewal charge on the SBI Shaurya Credit Card
For instance, if you use ₹40,000 on dining, shopping, and bills, and then ₹10,000 on a holiday, you'll reach the ₹50,000 mark. As a result, the next year’s annual renewal fee will be waived completely. |
Fuel Surcharge Waiver | The SBI Shaurya Credit Card offers a fuel surcharge waiver of up to ₹250 per statement cycle at any petrol station in India.
You can get a maximum benefit of ₹250 per statement cycle. This helps reduce the cost of fuel purchases, making your card more rewarding. |
Personal Accident Insurance Cover | SBI Shaurya Credit Card holders are also given free Personal Accidental Insurance Cover of ₹2 Lakh.
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Special Designation | The Shaurya SBI Credit Card is provided with the service branch of the cardholder (Army, Navy, Airforce, or Paramilitary) embossed on it.
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SBI Shaurya Credit Card Fees and Charges
Here's the information on SBI Shaurya Credit Card Fees and Charges in a table format
Type of Fee | Charge |
Annual Fee | ₹250 |
Renewal Fee | ₹250 (from second year onwards) |
Late Payment Fee | ₹0 to ₹200: Nil ₹200 to ₹500: ₹100 ₹500 to ₹1,000: ₹400 ₹1,000 to ₹10,000: ₹600 ₹10,000 to ₹25,000: ₹800 Above ₹25,000: ₹950 |
Finance Charges | 2.5% per month |
Card Replacement Fee | ₹100 |
Cash Advance Fee | 2.5% of the transaction amount (min. ₹300) |
Cash Advance Limit | Up to 80% of the credit limit |
Minimum Amount Due | 5% of the total outstanding amount (min. ₹300) |
Cheque Fee | ₹100 |
Overlimit Fee | 2.5% of the amount (min.₹500) |
Foreign Currency Mark-up | 3.5% |
Free Credit Period | 20 – 50 days |
Rewards Redemption Fee | ₹99 |
Documents Required for the Shaurya SBI Credit Card
Here's the list of Documents Required for the Shaurya SBI Credit Card in a table format
Document Type | Required Documents |
Income Proof | IT Returns, Salary Slip, Form 16 |
Identity Proof | Aadhaar Card, Passport, Driving License, Voter ID |
Proof of Address | Aadhaar Card, Passport, Voter ID, Ration Card |
Eligibility to apply for the Shaurya SBI Credit Card
To qualify for the Shaurya SBI Credit Card, you need to meet these requirements:
- Be between the ages of 21 and 65
- Have a stable source of income
- Maintain a good credit score
- Be a member of the armed forces
How to apply for SBI Shaurya Credit Card?
- Visit your nearest SBI Bank branch.
- Request a credit card application form.
- Select the SBI Shaurya Credit Card.
- Fill in your personal and income details in the form carefully.
- Attach a photo and sign the form.
- Check the form for accuracy and submit it along with the required documents.
SBI Shaurya Credit Card Customer Care Details
To get in touch with SBI Credit Card customer care for the SBI Shaurya Credit Card, you can:
- Call 1860 180 1290, 1860 500 1290, or 1800 180 1290 (toll-free)
- Email customercare@sbicard.com
Other ways to contact SBI Credit Card customer care include
- Dial 39 02 02 02 followed by your local STD code
- Use the SBI credit card portal to escalate your query
- Send a letter to SBI Cards & Payment Services Ltd.
- Contact via WhatsApp by sending "Hi" to +919022690226
Conclusion
The SBI Shaurya Credit Card is an excellent financial solution for defense personnel, providing them with special privileges such as reward points, fuel surcharge waivers, and personal accident insurance. With benefits such as 5X reward points on dining, grocery, and CSD shopping, along with a waiver of renewal charges when you spend ₹50,000 in a year.
It's made to simplify life and make it more rewarding. The card also has a special title, providing defense personnel with pride. For shopping, dining, or refueling, this card has everything—rewards, savings, and peace of mind. It's a must-have for all defense heroes!
FAQs related to SBI Shaurya Credit Card
Q1: What is the credit limit for the SBI Shaurya Credit Card?
The credit limit is dependent on income, credit history, and eligibility. Also, the annual fee of ₹250 is exempted if you spend more than ₹50,000 in a year. The card also offers a personal accident insurance cover of ₹2 lakh.
Q2: How long does it take to activate an SBI Credit Card?
SBI Credit Cards need to be activated within 30 days of issuance. If not activated within 30 days, the cardholder shall be sent an OTP-based consent request to activate the card, as per RBI guidelines.
Q3: How can I increase my credit card limit?
To raise your credit card limit, ensure timely payment of your bills and paying off any existing debts. If your financial condition has improved, ask your bank for a limit hike. Maintain your credit utilisation ratio below 30% of the limit. In addition, monitor your account regularly for pre-approved limit increases or special promotions by your card issuer.
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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