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Side-by-Side Comparison|Updated March 2026

Tata Platinum 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

Tata Platinum SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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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

FeatureTata Platinum SBI CardShaurya SBI Card
Annual Fee₹499₹250
Joining Fee₹499₹250
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate1%0.0625%
Reward CurrencyTata Card Reward PointsReward Points
NetworkVisaRuPay
Editor Rating8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

Shaurya SBI Card

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

Pros & Cons

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

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

Tata Platinum 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 Tata Platinum SBI Card if

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: Tata Platinum SBI Card or Shaurya SBI Card?
Tata Platinum 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 Tata Platinum SBI Card and Shaurya SBI Card?
Tata Platinum SBI Card has an annual fee of ₹499, while Shaurya SBI Card has an annual fee of ₹250. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Tata Platinum SBI Card or Shaurya SBI Card?
Tata Platinum SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Outlets - SHOPPING 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 Tata Platinum SBI Card and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Platinum SBI Card and Shaurya SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Platinum 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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