What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 250 + taxes. The Renewal Fee is Rs. 250 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your Shaurya SBI Card at over 44 million merchant locations in 190 countries globally and 3.7 million terminals in India. Your card is accepted internationally at ATMs displaying Pulse, Discover & Diners Club logos. You can withdraw cash from over 2 million ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaRuPay

Shaurya SBI Card

Co-BrandedEntryRuPay

Shaurya SBI Card

No-cost rewards card for everyday Indian spenders

Annual fee₹250Waived on ₹0.5L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹250

1,000 Reward Points

Type: Reward Points
Trigger: On Annual Fee Payment

Rewards

Base earn rate

Earn 1 Reward Point per ₹100 spent on all other categories

Category	Rate	Cap
CSD	—	—
Dining	—	—
Movies	—	—
Departmental Stores	—	—
Grocery	—	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: ₹250 + taxes
Annual / renewal fee: ₹250 + taxes
Annual fee waiver: Renewal Fee waived on annual spends of ₹50,000 or more
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300