RuPay
SState Bank of India
Shaurya SBI Card
Joining₹250
Annual₹250/yr
RewardEarn 1 Reward Point per Rs. 100 spent on all other categories
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State Bank of IndiaRuPay
Shaurya Select SBI Card
PremiumMidRuPay
Shaurya Select SBI Card
Premium rewards without the premium fee burden
Annual fee₹1,499Waived on ₹1.5L spend
RewardsEarn 2 Reward Points per Rs. 100 spent on all other categories
Forex markup3.5%3.5% on all foreign currency transactions
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Welcome benefits
First year annual fee waived off
Rewards
Base earn rate
Earn 2 Reward Points per ₹100 spent on all other categories
| Category | Details |
|---|---|
| CSD | Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends |
| Dining | Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends |
| Movies | Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends |
| Departmental Stores | Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends |
| Grocery | Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery spends |
Redemption options
Statement credit:4 Reward Points = Rs. 1Gift catalogue:Redeem Reward Points against a wide array of gifts from the Rewards Catalogue
- • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
- • Redemption fee: ₹99
Milestone benefits
- Rs. 500 Pizza Hut e-Voucher
- Rs. 7,000 e-Gift Voucher from Yatra or Pantaloons
- Renewal Fee waived
- 1,500 Reward Points on Renewal
Lounge access
Domestic
4visits / year
- Max 1 per quarter
International
Not included
Fees & charges
- Joining fee
- ₹0 (Free)
- Annual / renewal fee
- ₹1,499 + taxes
- Annual fee waiver
- Renewal Fee reversed if annual spends for last year >= ₹1,50,000
- 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–₹4000 txns, max ₹250/cycle
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹1,000 | ₹500 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Insurance covers
Air accident
₹10L
Complimentary Personal Accidental Insurance Cover of Rs. 10 lakhs (offered by RuPay)
Features
✓ International usage✓ Concierge service
Additional features
- Easy Bill Pay Facility
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