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Credit Cards · India

SBI Card SHAURYA Select

Updated 3 Jul 2026Source-linked

The SBI Card SHAURYA Select is a mid credit card from SBI Card, with a joining fee of ₹1,499 + GST.

It earns up to 5 pts per ₹100 (≈1.1% value) on csd dining movies departmental grocery spends in the form of reward points (points).

Cardholders get 4 annual domestic airport lounge access, plus 1,500 reward points on payment of renewal fee as a welcome benefit.

SBI Card logo
SBI Card SHAURYA Select
Visa logo
  • Joining Fee₹1,499
  • Annual Fee₹1,499
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 5 pts per ₹100 on csd dining movies departmental grocery
  • Base 0.44% on other spends
Welcome Benefits
  • 1,500 Reward Points on payment of Renewal Fee
Data verified 3 Jul 2026 — see our methodology
SBI Card logoSBIVisa logomid
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on csd dining movies departmental grocery
Base 0.44% on other spends.
Reward Redemption
Pay card outstanding with Reward Points; 4 Reward Points = Rs. 1.
Welcome Benefits
1,500 Reward Points on payment of Renewal Fee
Milestone Rewards
  • ₹50,000 / quarterly: Rs. 500 Pizza Hut e-Voucher
  • ₹5,00,000 / annual: Rs. 7,000 e-Gift Voucher from Yatra or Pantaloons
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • personal accident: ₹10,00,000
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹88/mo

    You spend ₹8,000 · earns 1.1% = ₹88 uncapped

    • Valued at realized redemption value
  • Dining & food delivery₹88/mo

    You spend ₹8,000 · earns 1.1% = ₹88 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹66/mo
  • Fuel₹4,000 · 0.4% = ₹18/mo
  • Travel & hotels₹10,000 · 0.4% = ₹44/mo
  • Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹3,907/yr

₹3,907 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
N/A

Product Details

  • mid card issued by SBI Card.
  • Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹1,50,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).
  • Insurance cover bundled: personal accident.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,50,000 spend.
  • Complimentary domestic airport lounge access (4/annual).
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹375 welcome benefit

  • 1,500 Reward Points on payment of Renewal Fee
    Renewal fee paid

Accelerated rewards

  • 5 pts per ₹100 on csd dining movies departmental grocery
    5X Reward Points (5 per Rs. 100) on CSD, Dining, Movies, Departmental Stores and Grocery spends. Base is 2 per Rs. 100, so 5X headline resolves to 5 points per Rs. 100.

Exclusions

The following spend categories earn no rewards on this card:

  • wallet loads

Milestone benefits

  • ₹50,000 / quarterly: Rs. 500 Pizza Hut e-Voucher (≈ ₹500 value)
  • ₹5,00,000 / annual: Rs. 7,000 e-Gift Voucher from Yatra or Pantaloons (≈ ₹7,000 value)

Airport lounge access

Domestic
4 visit(s) / annual. Via rupay.
4 complimentary domestic airport lounge visits per year (max. 1 per quarter).

Insurance benefits

  • personal accident: ₹10,00,000
    Complimentary Personal Accidental Insurance Cover offered by RuPay.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–70
Credit score
720+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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