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Is the Shaurya SBI Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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Shaurya SBI Card
Shaurya SBI CardView card →
  • Dining card
  • ₹295 fee a year (with GST)
  • Fee waived from ₹4,167 a month
  • 0.25% base, up to 1.25% on dining
  • Pays in reward points
Good for
  • dining: 1.25% back, up to ₹1,250 a month
  • groceries: 1.25% back, up to ₹1,250 a month
  • spending ₹4,167 or more a month: the ₹295 fee is waived
Skip it if
  • you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹295 fee is then charged
  • most of your spending is fuel, rent or government payments: those earn nothing on this card
  • you rarely spend on dining or groceries: the 1.25% rate applies only there, everything else earns 0.25%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 2.75% a month (33% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 1 Reward Point per Rs.100 on all other categories (~0.25% at 4 RP = Re.1).

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelRentGovernmentEMICash withdrawals

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)0.25%No capThe card's normal rate-
Online shopping0.25%No capThe card's normal rate-
Dining and food delivery1.25%₹1,250All merchants in the categoryTerms: 5X Reward Points (5 RP per ₹100, ~1.25%) on dining, movies, departmental stores, grocery and CSD canteen spends, capped at 5,000 points a month CUMULATIVELY across all of them, then 1 RP per ₹100.-
Groceries1.25%₹1,250, shared with other bonus ratesAll merchants in the categoryTerms: 5X Reward Points on grocery and departmental store spends (5 RP per ₹100, ~1.25% at 4 RP = Re.1), shares the 5,000-point monthly ceiling with dining and movies.-
Travel: flights, hotels, trains0.25%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and recharges0.25%No capThe card's normal rate-
RentEarns nothing-earns nothing on this card-
Insurance premiums0.25%No capThe card's normal rate-
School and college fees0.25%No capThe card's normal rate-
Wallet top-ups0.25%No capThe card's normal rate-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.25%No capThe card's normal rate-
Everything else0.25%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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