Shaurya Select SBI Card Review
The Shaurya Select SBI Card is SBI Card’s premium card for serving and retired armed-forces personnel. It earns 10 points per ₹100 at CSD canteens and on dining, movies, department stores and groceries.
It is free in the first year and its ₹1,499 fee is waived on ₹1.5 lakh annual spend, with milestone vouchers for regular spenders.
- 10 points per ₹100 (2.5%) at CSD canteens and lifestyle categories
- First year free; fee waived on ₹1.5 lakh
- ₹500 voucher each quarter on ₹50,000 spend
- ₹7,000 voucher on ₹5 lakh annual spend
- 1,500 points when you pay the renewal fee
- Only for serving and retired armed-forces personnel
- Accelerated points capped each month
- No points on fuel, rent and government payments
- Low 0.5% base rate
- 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | Nil (first year free) |
| Annual fee | ₹1,499 + GST from year two, waived on ₹1.5 lakh annual spend |
| Fuel surcharge waiver | 1% on ₹500–₹4,000, up to ₹250 a cycle |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Points per ₹100 | Value (4 points = ₹1) |
|---|---|---|
| CSD canteen, dining, movies, department stores, groceries | 10 | 2.5% |
| Other spends | 2 | 0.5% |
| Renewal fee paid | 1,500 points | ₹375 |
What earns nothing
Fuel, rent, government payments and gaming earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Quarterly milestone | ₹500 Pizza Hut voucher on ₹50,000 spend in a calendar quarter |
| Annual milestone | ₹7,000 Yatra or Pantaloons voucher on ₹5 lakh spend |
| Lounge access | Domestic lounge visits (check current count with SBI Card) |
| Personalisation | Card can carry your service branch |
| Fuel | 1% surcharge waiver, up to ₹250 a cycle |
Eligibility
Issuer
SBI Card
Who
Serving and retired armed-forces personnel
Network
RuPay
Documents
Service ID, PAN, income proof
Who this card is for
- Good fit: defence personnel who shop at CSD canteens and spend ₹1.5 lakh+ a year.
- Skip if: you are not in the armed forces — the card is not available.
Alternatives worth comparing
Final verdict
One of the best cards for armed-forces personnel: 2.5% at CSD canteens and on everyday lifestyle categories, generous milestones and a first year free.
Frequently asked questions
Who can apply for the Shaurya Select card?
Serving and retired armed-forces personnel.
What is the annual fee?
First year free; ₹1,499 + GST from year two, waived on ₹1.5 lakh annual spend.
How many points do I earn at CSD?
10 points per ₹100, worth 2.5% at 4 points = ₹1.
What are the milestones?
A ₹500 Pizza Hut voucher on ₹50,000 spend in a quarter and a ₹7,000 Yatra or Pantaloons voucher on ₹5 lakh a year.
Does fuel earn points?
No, but there is a 1% fuel surcharge waiver up to ₹250 a cycle.
Last verified: October 2026, against SBI Card’s Shaurya Select brochure and card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.