SBI Shaurya Credit Card: Benefits, Fees, and Eligibility

SBI Shaurya Credit Card is specially designed to honor the bravery and dedication of the Indian Armed Forces personnel.

It is the time in the present when our country’s great soldiers are giving up their service for the safety of the country at its borders. It is our responsibility as well to care about their interest regarding money matters. Keeping this in mind, the State Bank of India (SBI) has introduced a special credit card, and it is called the SBI Shaurya Credit Card.

This credit card is especially for Indian Armed Forces personnel and their family members so that they can avail of various benefits and facilities that will help them meet all their financial needs. And indeed, the purpose of this credit card is to provide them with financial security and honor the valor and sacrifice of these forces.

Let us know through this article about some important features related to this credit card and the benefits offered by it in full detail. So read this article till the end so that you do not face any problems later.

What is the SBI Shaurya Credit Card?

SBI Shaurya Credit Card is specially designed to honor the bravery and dedication of the Indian Armed Forces personnel. Individuals who are currently serving in the Indian Army, Navy, Air Force, Coast Guard, Paramilitary Forces, or Assam Rifles are eligible for the SBI Shaurya Credit Card.

This credit card provides them with a plethora of benefits such as special discounts, cashback on particular categories, and special privileges like an SBI DSP account, tailored to the needs of armed forces personnel. It is a credit card that not only acts as a financial tool but also as an appreciation for the sacrifices made by these individuals in the line of duty.

How is the design of the SBI Shaurya Credit Card?

The design is pretty simple, but it reflects great elegance with bold and powerful appeal, personifying the symbol of bravery. Dark-colored scheme card with a great strength logo on the State Bank of India and its brand name is “Shaurya”.

It may also incorporate special patterns or designs based on patriotism, given that the card is meant for the armed forces. The card is modern and sleek with hard materials that could be used day-to-day. Overall, it gives off the feeling of power and pride as it relates to its purpose in the armed forces.

What are the benefits of the SBI Shaurya Credit Card?

The major benefits include:

  1. Welcome Benefits: On receiving the card, you are often given gift vouchers or reward points free.
  1. Reward Points: You earn a reward point with each purchase and redeem it in terms of a fun gift, voucher, or cash back. In most cards, you are provided with reward points on various categories such as dining, fuel, and grocery purchases.
  1. Fuel Surcharge Waiver: You receive a discount on fuel purchases and so save money in your daily commutes.
  1. Complimentary Access to Lounge: You can freely access the lounge at airports across India, and this is perfect for those travelers who visit an airport quite frequently.
  1. It also comes with in-built coverage of air accident insurance, personal accident coverage, and much more to give you the added comfort of security.
  1. EMI Option: You can convert your big buys into easy EMIs, so high-ticket buys become easier to afford.
  1. Exclusive Offers: Cardholders receive special offers and discounts on different brands and merchants, making shopping more rewarding.

What are the fees for the SBI Shaurya Credit Card?

Here is a simple breakup of the  SBI Shaurya Credit Card fees.

Joining Fee₹250 + GST (one-time fee when you get the card).
Annual Fee₹250 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges2.5% per month (40% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment FeeFor Statement Balance
NIL for Total Amount due from Rs.0-Rs.500; Rs. 400 for Total Amounts due greater than Rs. 500 & up to Rs. 1,000; Rs. 750 for Total Amounts due greater than Rs. 1,000 & up to Rs. 10,000; Rs. 950 for Total Amounts due greater than Rs. 10,000 & up to Rs. 25,000 Rs. 1,100 for Total Amounts due greater than Rs. 25,000 & up to Rs. 50,000 Rs. 1,300 for Total Amount due greater than Rs. 50,000

What are the criteria for getting an SBI Shaurya Credit Card?

The following are the primary requirements:

  1. To apply for the  SBI Shaurya Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for SBI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
  1. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an SBI Shaurya Credit Card?

The documents that you will have to submit to get an  SBI Shaurya Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the SBI Shaurya Credit Card be used?

Here is the list of places where you can use it:

  • With the SBI Shaurya Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your  SBI Shaurya Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • The  SBI Shaurya Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the SBI Shaurya Credit Card?

The credit amount you can spend is what you are provided with an  SBI Shaurya Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an SBI Shaurya Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the SBI Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  SBI Shaurya Credit Card.
  • Just hover your cursor on the  SBI Shaurya Credit Card, followed by selecting ‘Apply Now‘ from there.
  • You will be asked to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • Apply online through the application form.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

  • You can walk into the nearest SBI Bank branch to apply for the  SBI Shaurya Credit Card.
  • Request for the credit card application form of the  SBI Shaurya Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be processed, and your information will be cross-checked at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the  SBI Shaurya Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, or mobile app or by calling their customer service.
  • You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI Shaurya Credit Card in 2025 be right?

Yes, getting an SBI Shaurya Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In a nutshell, the SBI Shaurya Credit Card offers many facilities to the armed forces personnel. With a wide range of benefits designed to reward and honor their service, it is indeed a special card. It doesn’t just award valuable reward points for daily spending but also some exclusive benefits in the form of fuel surcharge waivers, lounge access, and special offers on various categories.

This offer has added insurance coverage and EMI options, which make it very convenient and more beneficial for the cardholders. Apart from being sleek, the excellent reward program, and special benefits, this Credit Card is a payment tool rather more an appreciation of the hard work and dedication that those people serve our nation with.

This card makes the experience more rewarding and worth the adventure, whether it is for regular shopping, travel, or exclusive offers. In general, this is a very practical and thoughtful choice for members of the armed forces, as it provides financial flexibility and rewards for their sacrifices.

Frequently Asked Questions (FAQ’s)

Que. What is the SBI Shaurya Credit Card?

Ans. SBI Shaurya Credit Card is a credit card designed especially for Indian Armed Forces personnel and their family by the State Bank of India. This credit card offers many more unique features and benefits for them including zero annual charges, lower interest rates as well as better cashback offers.

Que. Who can apply for an SBI Shaurya Credit Card?

Ans. Indian Armed Forces personnel, retired personnel, and their family members can apply for this card. This credit card is specially designed for them.

Que. What is the annual fee for this credit card?

Ans. There is no separate annual fee of Rs 250 + GST ​​for SBI Shaurya Credit Card, this card is completely fee-free.

Que. Are there any cashback offers on this credit card?

Ans. Yes, there are many cashback offers and discounts available on the SBI Shaurya Credit Card, especially on online shopping and fuel spending.

Que. Are the interest rates on SBI Shaurya Credit Card low?

Ans. Yes, the interest rates on SBI Shaurya Credit Card are quite low as compared to other credit cards, making this card more beneficial for armed forces personnel.

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