{
  "id": "sbi-shaurya-select-sbi-card",
  "locale": "hinglish",
  "name": "Shaurya Select SBI Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "CSD, grocery, dining aur movies par 10 points / ₹100 · ₹25,00,000 defense accidental cover · 1% fuel waiver",
  "bestFor": "Armed Forces personnel (Indian Army, Navy, Air Force, Coast Guard, Paramilitary) aur defense veterans",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/shaurya-select-sbi-card.html",
  "aiVerdict": {
    "score": 2.7,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "sbi-shaurya-select-sbi-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — Shaurya Select SBI Card official schedule of charges and MITC",
    "Ministry of Defence & SBI Card Armed Forces Program — 10X CSD rewards & ₹25 Lakhs complimentary cover terms"
  ],
  "feeWaiver": "₹1,50,000 annual spend complete karne par fee waive",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹1,499 + GST (Waived on ₹1.5L spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "1,500 Reward Points upon card activation"
    },
    {
      "key": "Defense CSD Rewards",
      "value": "10X Points (10 pts / ₹100) on CSD Canteens & Groceries"
    },
    {
      "key": "Dining & Movies",
      "value": "10X Points (10 pts / ₹100) on Dining & Movies"
    },
    {
      "key": "Defense Insurance",
      "value": "₹25 Lakhs Complimentary Personal Accidental Cover"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹500 se ₹3,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "CSD Canteens, Dining, Movies & Groceries (10X)",
      "rate": "10 Points / ₹100 (2.5% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Points (~₹2,500 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹100 (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "CSD Canteen & Supermarkets",
      "multiplier": "10×",
      "rate": "10 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Sabhi CSD canteens aur grocery stores par 10 points per ₹100."
    },
    {
      "channel": "Dining & Movies",
      "multiplier": "10×",
      "rate": "10 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Restaurants aur movie tickets par 10 points per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SBI Card Reward Catalogue",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST (1,500 Bonus Points Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (Saal mein ₹1,50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.75% per month (45.0% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹500 se ₹3,000 ke transactions par 1% waiver (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Defense Service Criteria",
      "requirement": "Serving ya retired personnel of Army, Navy, Air Force, Coast Guard, Paramilitary"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 70 saal"
    },
    {
      "criteria": "Documentation",
      "requirement": "Official Defense Service ID Card ya Pension Payment Order (PPO)"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}