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Side-by-Side Comparison|Updated March 2026

Shaurya Select SBI Card 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

Shaurya Select SBI Card

8.5/10
Annual Fee₹1,499
Base Rewards0.5%
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SBI Card

Shaurya SBI Card

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

FeatureShaurya Select SBI CardShaurya SBI Card
Annual Fee₹1,499₹250
Joining FeeFree₹250
Fee Waiver Spend₹1,50,000₹50,000
Base Reward Rate0.5%0.0625%
Reward CurrencyReward PointsReward Points
NetworkRuPayRuPay
Editor Rating8.5/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya Select SBI Card

  • 0.62% on Dining
  • 0.62% on Movies
  • 0.62% on Departmental Stores
  • 0.62% on Grocery
  • 0.62% on CSD Canteen

Shaurya SBI Card

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

Pros & Cons

Shaurya Select SBI Card

Pros

  • 10X Reward Points (2.5% value-back) on CSD, Dining, Movies, and Grocery spends.
  • Complimentary Personal Accident Insurance cover of ₹10 Lakh for the primary cardholder.
  • Annual fee waiver on relatively low spends of ₹1.5 Lakh per year.
  • Personalized card with service branch insignia (Army, Navy, Air Force, Paramilitary).

Cons

  • Low base reward rate of 0.5% on non-accelerated categories.
  • No international lounge access benefits.
  • Reward points accrual is excluded on fuel, rent, and government transactions.

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

Shaurya Select SBI Card 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 Shaurya Select SBI Card if

Tailored benefits for CSD canteen spends and high insurance coverage for armed forces.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: Shaurya Select SBI Card or Shaurya SBI Card?
Shaurya Select SBI Card 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 Shaurya Select SBI Card and Shaurya SBI Card?
Shaurya Select SBI Card has an annual fee of ₹1,499, while Shaurya SBI Card has an annual fee of ₹250. Shaurya Select SBI Card offers a fee waiver on ₹1,50,000 annual spend. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya Select SBI Card or Shaurya SBI Card?
Shaurya Select SBI Card offers a base reward rate of 0.5% with accelerated rewards on Dining and Movies. 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 Shaurya Select SBI Card and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya Select SBI Card and Shaurya SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya Select SBI Card 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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