Shaurya Select SBI Credit Card

Annual feeJoining feeRenewal fee

₹1,499 + GST

Fee waiver rule

Fee waived if you spend ₹1.5 lakhs.

Add-on card fee

Add-on Fee (per annum): Nil.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 spent on all other categories.

Reward earning on dining spends

5X Reward Points on CSD, dining, movies, departmental stores and grocery spends (base rate 2 Reward Points per ₹100)

What one reward unit is worth

Pay card outstanding with Reward Points. 4 Reward Points = ₹1.

Catalogue redemption

Redeem Reward Points against a wide array of gifts from the Rewards Catalogue.

Point expiry

Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month

Domestic lounge access

4 complimentary Domestic Airport Lounge visits every year (max. 1 per quarter)

Milestone benefits

₹500 Pizza Hut e-Voucher on spending ₹50,000 in a calendar quarter. ₹7,000 e-Gift Voucher from Yatra or Pantaloons on annual spends of ₹5 lakhs

Renewal benefit

Earn 1,500 Reward Points on payment of Renewal Fee.

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps across India. Maximum waiver of ₹250 per statement cycle

Insurance benefit

Complimentary Personal Accidental Insurance Cover of ₹10 Lakh, applicable only on Rupay network cards

Purchase to EMI conversion

Flexipay EMI: Convert eligible purchases into easy monthly EMIs; Applicable on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% (For All Cards Except Aurum, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite/Miles Prime/Miles)

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Interest on unpaid balance

2.75% p.m. (33% p.a.) for Shaurya, Defence and Secured cards.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600); Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250 (₹1500 for Aurum)

Cash payment / cash deposit fee

₹250

Education / school fee charge

W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps; payments made directly to colleges or schools via their websites or POS machines will not attract any fee

Fee for paying the bill by cheque

₹200; not applicable for SBI Card Unnati, SBI Card Vyapaar Unnati and SBI Card Krishak Unnati Credit Cards

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

Utility transaction fee

W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding

Age the primary cardholder must be

21 to 60 years

Eligibility

Salaried or Self-Employed with stable income.

Minimum age

Minimum 21 years