SBI Shaurya Select Credit Card 2025
Save up to ₹20,000+ every year on CSD shopping, dining, movies, groceries, flights & lounge access!
If you are serving in the Armed Forces (Army, Navy, Air Force, Paramilitary) or a dependent, the SBI Shaurya Select Credit Card is a premium card designed to honor your service!
You get 10X reward points on CSD spends, dining, movies, departmental stores & groceries (up to ₹50,000/quarter), 2X points on all other spends, 8 domestic lounge visits per year (2 per quarter), complimentary Pizza Hut e-voucher on quarterly milestone (₹1,500 spend), annual Yatra/Pantaloons voucher (₹3,000 on ₹3 Lakh spend), ₹10 Lakh personal accident insurance, fuel surcharge waiver up to ₹100/month, and it's Lifetime Free with zero joining/renewal fee for eligible defense personnel.
Reward points redeem for vouchers, flights/hotels or cashback (1 point = ₹0.25) – easy and rewarding for your daily needs!
Why This Is The Best Card for Defense Personnel in 2025?
10X points on CSD/dining/movies/groceries • 2X on everything else • 8 domestic lounges/year • Milestone vouchers up to ₹6,000/year • ₹10 Lakh accident insurance • Fuel waiver up to ₹100/month • Lifetime Free for armed forces • Custom embossing with insignia.
Best for: Defense personnel, CSD shoppers, diners, movie lovers, occasional travelers
Exclusive for Armed Forces – Zero Joining/Renewal Fee + Custom Insignia Embossing
Card At a Glance
₹0 (LTF for Defense)
₹0 (Lifetime Free)
10X Bonus Categories | 2X Others
Points (1 pt = ₹0.25)
8 Domestic per year
₹10 Lakh Accident
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free for Defense) |
| Annual Fee | ₹0 (Lifetime Free) |
| Welcome Benefit | Custom Insignia Embossing |
| Rewards Redemption Fee | ₹99 for cashback |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹500–₹3,000 txn, max ₹100/month) |
Detailed Reward Rates (2025)
- 10X Reward Points per ₹100 on CSD, dining, movies, departmental stores, groceries (up to ₹50,000/quarter)
- 2X Reward Points per ₹100 on all other spends
- 1 point = ₹0.25 for cashback, vouchers or flights/hotels
- Milestone: Pizza Hut e-voucher on ₹1,500 quarterly spend + Yatra/Pantaloons ₹3,000 on ₹3 Lakh annual
- No rewards on fuel, rent, wallet loads, EMI, government payments
- Birthday double points on bonus categories
Airport Lounge Access
8 complimentary domestic visits per year (2 per quarter)
No spend requirement • Valid at major airports (Delhi, Mumbai, Bangalore, etc.)
For cardholder + add-on cards
Insurance & Protection Benefits
- ₹10 Lakh personal accident insurance
- Zero liability on lost card
- EMI on purchases ₹2,500+
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime Free for defense personnel | Exclusive to armed forces only |
| 10X points on CSD/dining/movies/groceries | 3.5% forex markup |
| 8 domestic lounges + milestone vouchers | No international lounges |
| ₹10 Lakh accident insurance + fuel waiver | ₹99 cashback redemption fee |
| Custom insignia embossing + add-ons free | No fuel rewards |
| Birthday doubles + easy waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Exclusive for Armed Forces (Army, Navy, Air Force, Paramilitary) & dependents
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement, defense ID
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select Shaurya Select
- Fill basic details + defense verification → Instant pre-approval
- Upload PAN, Aadhaar, income proof & defense ID
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days with custom embossing
Final Verdict – Should You Get It in 2025?
If you are defense personnel spending ₹20,000+ monthly on CSD, dining, movies & groceries, Shaurya Select gives ₹15,000–₹20,000 value yearly with lounges, insurance & LTF status. Exclusive pride card with high rewards – highly recommended for armed forces families!
Frequently Asked Questions (FAQs)
Who is eligible?
Armed Forces (Army, Navy, Air Force, Paramilitary) personnel & dependents only.
Is it Lifetime Free?
Yes, zero joining/renewal fee for eligible defense users.
How to get 10X points?
On CSD, dining, movies, departmental stores, groceries up to ₹50,000/quarter.
What are milestone benefits?
Pizza Hut voucher on ₹1,500 quarterly + Yatra/Pantaloons ₹3,000 on ₹3 Lakh annual.
Any lounge access?
8 domestic/year (2/quarter) – no spend requirement.