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Shaurya SBI Card

Privileges on Shaurya SBI Card

All Defense Gold applicants whose application is approved on or after 27th September, 2019 will get Shaurya SBI Card, as Defense Gold has transitioned to Shaurya SBI Card.

Reward Points

Reward Points

  • Earn 5X Reward Points on CSD, Dining, Movies, Departmental Stores and Grocery Spends
  • Earn 1 Reward Point per Rs. 100 spent on all other categories
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Reward Points
  • Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
  • You can also redeem your Reward Points against a host of options from the Rewards Catalogue
Waiver of Renewal Fee

Waiver of Renewal Fee

  • Avail waiver of Renewal Fee on annual spends of Rs. 50,000 or more
Fuel Surcharge Waiver

Fuel Surcharge Waiver

  • 1% Fuel Surcharge Waiver at all fuel stations across the country
  • Purchase fuel worth Rs.500 to Rs.3,000 to avail this benefit
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Fuel Surcharge Waiver
  • Maximum Surcharge Waiver of Rs. 250 per statement cycle, per credit card account
Additional Benefits

Additional Benefits

  • Avail complimentary Personal Accidental Insurance Cover of Rs. 2 Lakh (offered by RuPay)
  • Your credit card comes embossed with your service branch i.e. AIRFORCE, ARMY, NAVY & PARAMILITARY
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Additional Benefits
  • Click here for more details
    • Joining Fee: NIL
    • Renewal Fee (per annum):Rs. 250


Know your Shaurya SBI Card

  • Worldwide Acceptance
      • Your Shaurya SBI Card can be used in over 44 plus million Merchant Locations in 190 countries globally and 3.7 million terminals in India. Just look for the Pulse, Discover & Diners Plus signages of acceptance internationally and present your card for payment.
  • Add-on Cards
      • With Shaurya SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go
      • As a Shaurya SBI Cardholder, you can withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India. Just look for the Pulse, Discover & Diners Plus signages for sign of acceptance internationally.

  • Utility Bill Payment Facility
      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your Shaurya SBI Card

        Click here to know more

  • Balance Transfer on EMI
      • Save money while paying your credit card dues

        Transfer the outstanding balance of other banks’ credit cards to your Shaurya SBI Card, and avail a lower rate of interest and pay back in EMIs

        Log on to sbicard.com with your user ID and password to take benefit of this service

        Click here to know more about Balance Transfer on EMI

  • Flexipay
      • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your Shaurya SBI Card, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay

        Click here to learn how to apply for Flexipay

  • Easy Money
      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep

        Log in with your username and password to sbicard.com to book Easy Money

  • Fees
      • Annual Fee (one-time): First Year Fee Waived Off
      • Renewal Fee (per annum): Rs. 250 from second year onwards
      • Add-on Fee (per annum): Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
      • Finance charges: Up to 2.5% per month, accounting to 30% per annum from the transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI (In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
      • Free Credit Period: Nil
      • Finance charges: Up to 2.5% per month, accounting to 30% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATMs: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • Cheque pick up: Rs. 100
      • Cheque Fee: Rs. 100 (Payments made via cheque up to Rs. 10,000)
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
      • Statement retrieval: Rs. 100 per statement, which is two or more months old
      • Late payment: NIL for Total Amount due from Rs.0-Rs.200;

      Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;

      Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;

      Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;

      Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;

      Rs. 950 for Total Amount due greater than Rs. 25,000

       

      • Over limit: 2.5% of over limit amount subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
      • Foreign currency transaction: Conversion markup - 3.5%
      • Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99% (For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000)
      • Rewards redemption fee: Rs. 99
      • Cash Payment fee: Rs. 100
  • Surcharges
      • Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through irctc.co.in : 1.8% of transaction amount + service charge, as applicable
      • Fuel and all products and services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

       

      Your continued use of the card will be deemed acceptance of these amendments.

       

      For assistance, please call SBI Card helpline at:

       

      Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

       

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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