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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT vs Shaurya SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
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SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Star Card SELECTShaurya SBI Card
Annual Fee₹2,999₹250
Joining Fee₹2,999₹250
Fee Waiver Spend₹3,00,000₹50,000
Base Reward Rate1%0.0625%
Reward CurrencyReward PointReward Points
NetworkMastercardRuPay
Editor Rating7.8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Our Verdict

SBI Card - Tata Star Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: SBI Card - Tata Star Card SELECT or Shaurya SBI Card?
SBI Card - Tata Star Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and Shaurya SBI Card?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while Shaurya SBI Card has an annual fee of ₹250. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or Shaurya SBI Card?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. Shaurya SBI Card offers 0.0625% base rewards with bonuses on CSD and Dining. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Star Card SELECT and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and Shaurya SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Star Card SELECT or Shaurya SBI Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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