SBI Shaurya Select Credit Card: Benefits & Apply

Summary

SBI Shaurya Select Credit Card is a premium card and is specifically designed for defence staff, including the Army, Navy, Air Force, and Paramilitary personnel. The card has several advantages, which are most sought after by individuals employed in the country. Firstly, reward points are provided to card members in generous quantities on various categories like dining out, grocery, movies, and shopping so that they can accumulate rewards quickly.

The card also comes with a range of protection and security features. The best feature is the free personal accident cover, which provides cardholders and their families with financial protection. Another aspect is that the card does not charge fuel surcharges on transactions, saving cardholders heavily if they travel by car often. Another aspect is the low annual card fee for cards, exempted if one’s spending is above ₹1.5 lakh annually, rendering it an inexpensive option for constant usage.

Shaurya Select Credit Card also grants the card owner a certain flexibility in its utilization through balance transfer and EMI conversion facilities, enabling big-ticket purchases to be made easily affordable. Since it is also accepted abroad, the card makes sure that the cardholders can use it without hassle across borders, enhancing its convenience value. The facility of adding family members as add-on cardholders also adds to the value of the card.

Introduction

The SBI Shaurya Select Credit Card is a premium credit card that is designed to meet the needs of defense personnel and their families. The card offers a range of exclusive benefits, and it is the ideal choice for those serving the nation. The card has a range of rewards, cashback, and discounts, making it an excellent choice to feel benefits while monitoring day-to-day expenses.

First of all, one of the best things about this credit card is the welcome offer, which is a reward offer that can be redeemed for various products, travel vouchers, and so on. The Shaurya Select Credit Card also provides cardholders with better security features to make the experience of transactions safe and secure. It also has fuel surcharge waivers, which are an added advantage for people who drive daily.

Furthermore, the cardholders are also treated to special offers on dining, shopping, and travel. This is ideal for individuals who like to go out and have different types of leisure activities. Along with these, the card also provides comprehensive insurance benefits that bring peace of mind to the cardholder and his or her family.

Besides the benefits, getting the Shaurya Select Credit Card is a piece of cake. The card is available for application online, and it gets approved instantly, so it is readily available to all defense personnel who fit the bill. The card even comes with a minimal annual fee, which is highly worth the perks it has to offer.

What is the SBI Shaurya Select Credit Card?

SBI Shaurya Select 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 Select 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.

How is the design of the SBI Shaurya Select 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”.

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 Select Credit Card?

This card attempts to reward their service with a list of rewards and benefits that are exclusive.

Major Benefits of the SBI Shaurya Select Credit Card:

1. Reward Points Boost: Card members earn 10 reward points for every ₹100 spent at restaurants, grocery stores, cinema, departmental stores, clothing, electronics, and shopping on technology. For any other purchase, 2 reward points are earned for every ₹100.

2. Welcome and Milestone Rewards: Reward points worth 1,500 are given to the cardholders when they settle the first year annual fee. Milestone rewards also comprise a ₹500 gift from Pizza Hut on a quarter’s ₹50,000 spend and a ₹7,000 e-gift card from Pantaloons or Yatra on a year’s ₹5 lakh spend.

3. Protection in Insurance: Personal accident cover at no cost to the tune of ₹10 lakh is provided by the card and gives financial security to the cardholder.

4. Waiver of Fuel Surcharge: A 1% waiver of the fuel surcharge on fuel expenditures between ₹500 and ₹3,000, with a ceiling of ₹100 per statement period, is made available to the cardholders.

5. Waiver of Annual Fee: The annual fee worth ₹1,499 is waived if the cardholder has exceeded ₹1.5 lakh in spending during the last year.

6. Balance Transfer and EMI Facility: Cardmembers can shift dues from other credit cards to the Shaurya Select Credit Card at lower interest rates and turn purchases over ₹2,500 into easy EMIs using the Flexipay facility.

7. Global Acceptance: The card is accepted by over 44 million merchant establishments across 190 countries, with global usage.

8. Add-on Cards: Primary cardholders can extend the privilege to their family members by using add-on cards so that they can avail themselves of the SBI Shaurya Select Credit Card.

What are the fees for the SBI Shaurya Select Credit Card?

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

Joining Fee	Nil
Annual Fee	₹1,499 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	2.5% per month (40% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹300, whichever is higher.
Late Payment Fee	For 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 the Total Amount due greater than Rs. 50,000

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

The following are the primary requirements:

1. To apply for the  SBI Shaurya Select 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.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs.1 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. 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 their finances and is quite reliable as a borrower.

5. 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.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. 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 Select Credit Card?

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

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the SBI Shaurya Select Credit Card be used?

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

• With the SBI Shaurya Select 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 your credit card to pay electricity and water bills, mobile bills, and internet services.

• The  SBI Shaurya Select 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 Select Credit Card?

The credit amount you can spend is what you are provided to you with an  SBI Shaurya Select 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.

How do you apply for an SBI Shaurya Select 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 Select Credit Card.

• Just hover your cursor on the Shaurya Select 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 you submit 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 Select Credit Card.

• Request for the credit card application form of the Shaurya Select Credit Card. They will provide you with the form and proceed accordingly.

• Fill in 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 photograph.

• 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 Shaurya Select 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 Select Credit Card in 2025 be right?

Yes, getting an SBI Shaurya Select 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.

Conclusion

All in all, the SBI Shaurya Select Credit Card has an impressive list of benefits, particularly for defense forces. From points to insurance coverage and fuel surcharge refund, the card stands to make going on a regular spree of buying and selling items a daily practice worthwhile and more convenient.

Furthermore, the welcome and milestone rewards on the card, such as the e-gift vouchers and the additional benefits to spend, add to the cardholder’s experience even more. The free personal accident cover gives the users the protection and security, which is a very important aspect for those who are serving the nation.

In addition, the flexibility of balance transfer and EMI options makes it convenient for cardholders to manage their finances. It assists in regulating excessive purchases more effectively, thus allowing defense personnel to enjoy more financial independence.

Frequently Asked Questions (FAQ’s)