Shaurya Select SBI Card
SBI Card · Open to apply
The higher defence card: first year free, then ₹1,499 a year (waived on ₹1.5 lakh of spends), accelerated points on CSD canteens, dining, movies, departmental stores and groceries, 2 points per ₹100 elsewhere, 1,500 points on each renewal, quarterly and annual spend vouchers and four domestic lounge visits a year.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- 2 points per ₹100 on all other spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5X points (10 per ₹100) on CSD canteens, dining, groceries, departmental stores and movies: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No points on fuel transactions
- No points on wallet loads (MCCs 6540, 6541)
- No points on cash advances, balance transfers and ATM withdrawals
- No points on EMI conversions
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on digital gaming platforms (MCCs 5816, 7993, 7994)
Where the sources disagree
- Accelerated rate: No document states the points per ₹100 on the accelerated categories; the product page and brochure say only "5X". Read with SBI Card's own use of "5X" (Shop & Smile T&C for PRIME and Shaurya), that is 10 per ₹100 over the 2-point base; a reading of 5 per ₹100 would halve the accelerated earn. Third-party sites quoting an old product page also give 10 per ₹100 (unverified).
- Personal accident cover: The product page says ₹10 lakh; the brochure (code SI16092024) says ₹20 lakh "Personal Accidental & Disability Insurance cover". We use the product page, the current document.
Terms the calculator does not value
- SBI Card publishes no monthly cap on the accelerated points for this card: the card has no T&C booklet on sbicard.com (the page links the general T&C page), and the Shop & Smile T&C's cap table does not list it. If a cap exists, the value here is too high for heavy spenders on dining and groceries.
- CSD canteens earn the accelerated rate, but the calculator has no CSD canteen category or merchant, so spend there is not given it unless it codes as groceries or departmental stores.
Sources
- Shaurya Select SBI Card product-page data file (fees, rates, milestones, renewal points, lounges, insurance) (Product page, the bank's own, read 6 Nov 2026)
- Shaurya Select SBI Card brochure (code SI16092024) (Product page, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (index date 2026-09-14) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (finance charge 1 Nov 2021; redemption 1 Apr 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card apply page, eligibility (Product page, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (accrual caps by card, exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (linked from the customer notices page) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on government-related transactions from 1 Jun 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on digital gaming platforms from 1 Dec 2024 (Bank notice, the bank's own, read 6 Nov 2026)