State Bank of India
Shaurya SBI Card
Data last verified: 11 October 2026
- Joining fee₹250 + GST
- Annual fee₹250 + GST
- Reward rate0.25% base, up to 1.25% on dining
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- Joining fee₹250 + GST
- Annual fee₹250 + GST
- Fee waiverOn ₹50,000 spend a year
- Forex markup3.5%
- Interest (APR)2.75% a month, 33% a year
- Add-on cardFree
01Shaurya SBI Card Rewards and Benefits
02Shaurya SBI Card Annual Fee and Charges
- Joining fee
- ₹250 + GST
- Annual fee
- ₹250 + GST
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 2.75% a month (33% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
- Add-on card
- Free
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹1,212 a year₹101
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,212
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04How Shaurya SBI Card earns Rewards
0.25% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.25% | No cap | The card's normal rate |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 1.25% | ₹1,250 | All 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. |
| Groceries | 1.25% | ₹1,250, shared with other bonus rates | All 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, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | The card's normal rate |
| School and college fees | 0.25% | No cap | The card's normal rate |
| Wallet top-ups | 0.25% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 Reward Point per ₹100 on all other categories (~0.25% at 4 RP = Re.1).
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Shaurya SBI Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000; max ₹100 per statement cycle.
- Insurance cover: Complimentary personal accidental insurance cover of ₹2 lakhs, a RuPay-network benefit this card carries (registration may be required).
06Shaurya SBI Card Eligibility and Documents
- Employment
- Salaried
Documents. PAN card Aadhaar / address proof Defence service ID / proof of service Income proof (salary slips or ITR) Recent passport-size photograph
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Statement-credit redemption capped & blocked into 4,000-point multiplesSource: State Bank of India | Unrestricted statement-credit redemption, any point quantity | Max 60,000 RP a month; redeemable only in multiples of 4,000 |
| 1 Nov 2025 | Reduced: 1% fee on third-party education payments & wallet loadsSource: State Bank of India | No surcharge on education/wallet-load spends | 1% fee on 3rd-party education fees & wallet loads over ₹1,000 |
| 1 Jun 2024 | Reduced: Government transactions stop earning reward pointsSource: State Bank of India | Earned | Excluded |
| 1 Apr 2024 | Reduced: Reward points removed on rent payments (MCC 6513)Source: State Bank of India | Base RP earned on rent payments | No RP on rent payments (MCC 6513) |
| 15 Nov 2022 | Reduced: Rent-payment processing fee introduced (₹99, later ₹199) | No rent-payment processing fee | ₹99 + GST (raised to ₹199 + GST from 17 Mar 2023) |
See this card's change history → · All card changes in April 2026 →
08Cards Similar to Shaurya SBI Card
Shaurya SBI Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Shaurya SBI Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹250 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹250 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.25% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the Shaurya SBI Card?
The joining fee is ₹250 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Shaurya SBI Card?
The annual fee is ₹250 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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