Shaurya Select SBI Card Review (Defence)
The Shaurya Select SBI Card is a profession-specific card for India’s defence personnel, rewarding CSD and everyday spends heavily and adding a personal-accident cover, lounge access and a service-insignia-embossed card. Here is the verified review.
- 10 RP per ₹100 at CSD, grocery, dining, dept stores & movies
- ₹10 lakh personal accident cover + ₹1 lakh fraud liability
- Service-insignia embossing (Army/Navy/Air Force/Paramilitary)
- 4 domestic lounge visits/year
- First year free; fee waivable at ₹1.5 lakh
- Eligibility limited to defence personnel
- 2 RP/₹100 base rate elsewhere
- Reward caps may apply — verify
- ₹1,499 fee from year 2 if not waived
- Best value via CSD/everyday categories
Fees & rewards
| Item | Detail |
|---|---|
| Fee | Nil (year 1), ₹1,499 (year 2; waived on ₹1.5 lakh spend) |
| CSD/grocery/dining/dept/movies | 10 RP per ₹100 |
| Other spends | 2 RP per ₹100 |
| Insurance | ₹10 lakh accident + ₹1 lakh fraud liability |
| Lounge | 4 domestic visits/year |
| Card | Embossed with service insignia |
Eligibility & documents
Eligibility
Serving/retired defence personnel
Fee
Free year 1; ₹1,499 thereafter (waivable)
Network
Visa / RuPay
Insignia
Army / Navy / Air Force / Paramilitary
Recommended CIBIL
~720+
Documents
Service ID, PAN, Aadhaar, income proof
Who this card is for
- Best fit: defence personnel who shop at CSD and want strong everyday rewards with insurance cover.
- Skip if: you’re not eligible or want a high flat-rate non-defence card.
How to apply & how to cancel
Apply: via sbicard.com with service ID. Cancel: call SBI Card after clearing dues; redeem points first.
Final verdict
The Shaurya Select SBI Card is a strong, low-cost pick for defence personnel — 10 RP per ₹100 at CSD and everyday categories, a ₹10 lakh accident cover, lounge access and a proud service-insignia card, with the first year free. For eligible personnel who use CSD, it’s excellent value.
Frequently asked questions
Who can apply?
Serving or retired Indian defence personnel (Army, Navy, Air Force, Paramilitary).
How rewarding is it?
10 reward points per ₹100 at CSD, grocery, dining, departmental stores and movies; 2 per ₹100 elsewhere.
What insurance is included?
₹10 lakh personal accident cover and ₹1 lakh fraud-liability cover.
What’s the fee?
First year free, then ₹1,499 — waived on ₹1.5 lakh annual spend.
Data current as of June 2026, cross-checked against SBI Card and aggregator pages. Confirm current terms on sbicard.com before applying.