State Bank of India
Shaurya Select SBI Card
Data last verified: 15 October 2026
- Joining feeFree
- Annual fee₹1,499 + GST
- Reward rate0.5% base, up to 2.5% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual fee₹1,499 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup3.5%
- Interest (APR)2.75% a month, 33% a year
- Add-on cardFree
01Shaurya Select SBI Card Rewards and Benefits
02Shaurya Select SBI Card Annual Fee and Charges
- Joining fee
- Free
- Annual fee
- ₹1,499 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 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 2.5%₹125
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
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: 2.5% back, up to ₹1,500 a month
- Groceries: 2.5% back, up to ₹1,500 a month
- Spending ₹12,500 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you rarely spend on dining or groceries: the 2.5% rate applies only there, everything else earns 0.5%
- 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 Select SBI Card earns Rewards
0.5% base, up to 2.5% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 2.5% | ₹1,500 | All merchants in the categoryTerms: 10 RP per ₹100 (~2.5% at 4 RP = Re.1) on dining, movies, departmental stores, grocery and CSD canteen. SBI markets this as 5X against this card's 2 RP base, not the entry Shaurya's 1 RP. Capped at 6,000 points a calendar month across all those categories together, then 2 RP per ₹100 |
| Groceries | 2.5% | ₹1,500, shared with other bonus rates | All merchants in the categoryTerms: 10 Reward Points per ₹100 (~2.5% at 4 RP = Re.1) on grocery, departmental stores and CSD canteen, sharing the 6,000-point monthly cap with dining and movies |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.5% | No cap | The card's normal rate |
| School and college fees | 0.5% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 Reward Points per ₹100 on all other categories (~0.5% at 4 RP = Re.1).
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Shaurya Select SBI Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. 4 complimentary domestic airport lounge visits every year (max 1 per quarter). Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.
- Concierge service: 24x7 concierge for gift and flower delivery, restaurant referral, courier, car rental and limousine referral.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000; max ₹250 per statement cycle.
- Insurance cover: Complimentary personal accidental insurance cover of ₹10 lakhs, a RuPay-network benefit this card carries (registration may be required).
- Milestone bonuses: ₹500 Pizza Hut e-voucher for each calendar quarter you spend ₹50,000, up to ₹2,000 a year at a steady ₹50,000 a quarter, which is the ₹2 lakh annual equivalent this row is gated on
- Milestone bonuses: ₹7,000 Yatra or Pantaloons e-voucher on ₹5 lakh of spend in an eligible year, SBI's milestone is genuinely annual, measured from your card anniversary
06Shaurya Select 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 Dec 2024 | Reduced: Digital gaming spends stop earningSource: State Bank of India | Reward Points earned | No Reward Points on MCC 5816, 7993, 7994 |
| 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) |
See this card's change history → · All card changes in April 2026 →
08Cards Similar to Shaurya Select SBI Card
Shaurya Select 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 Select SBI Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Free | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,499 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2.5% 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 | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 15 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 Select SBI Card?
The joining fee is Free. 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 Select SBI Card?
The annual fee is ₹1,499 + GST.
Does the Shaurya Select SBI Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
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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