I recently saw the Shaurya Select Card from SBI—described as a premium lifestyle card with military citizen perks, milestone points, and lounge access. Does it require a referral or invitation? What are the eligibility norms, application steps, and how straightforward is the process?
My colleague was in the program last year and said back then that income consistency and good credit was the key to getting approved. He also said they never asked about any referrals or invitations and the card was approved immediately.
SBI Shaurya Select Card Eligibility Criteria:
- Should be a resident of India and pass the age between 21-65 Years
- Has an income of at least 8-12 lakh INR a year
- My credit score was 745, and there was no problem with the approval of the application
- You don’t need a military background and there’s no referral or invitation required
- They do consider level of consistency in income: you will be inquired of about the history of work or their continuity of employment
How to apply for the SBI Shaurya Select Card Online:
no third-party websites to fill out an application- only the SBI card official website.
The whole system was online and buys less than 10mins:
- Entered and searched the URL of SBI Shaurya Select Card and submitted the apply form
- plugged in personal information such as PAN, mobile number, income, email
- e-KYC completed in seconds
- Submitted 2 salary slips of 2 months and last 3 months bank statement
- then I added a digital passport-size photograph
- There are no visits to branches or paperwork necessary
Documents Required for SBI Shaurya Select Card:
when applying online, they requested the following:
- PAN Card
- Aadhaar Card (id and address proof)
- The two recent payslips
- Last 3 months Bank statement
- A digital upload of one passport size photograph.
Approval Process and Card Delivery for SBI Shaurya Select Card:
My documents were verified the following day after submission of documents The time of approval was approximately 2 working days. The tangible card arrived at my address in 6-days. It is possible to check your status on the South Indian Bank site using the mobile number or application ID.
What happens if my credit score is below 700 when applying for the SBI Shaurya Select Card?
If your credit score is below 700, getting the SBI Shaurya Select Card is honestly going to be a real pain since this premium card usually wants people with squeaky clean credit histories. Here’s what I’ve learned from going through this nightmare myself:
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Lower Chance of Approval: SBI typically wants credit scores around 750 or higher for their fancy cards like the Shaurya Select. A score below 700 makes them think you’re trouble, so getting approved becomes way more difficult though it’s not totally impossible if you’ve got other really impressive stuff like killer income.
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They’ll Dissect Your Entire Life: If your credit score is below 700, SBI’s going to tear apart every aspect of your finances your income (they want around ₹8-12 lakh per year) and whether your job is actually reliable. Really strong, steady income with spotless bank statements might help make up for that crappy score.
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Might Get Approval But With Conditions: Sometimes SBI will give you the card but with a pathetically low credit limit, or they might hassle you for tons of extra paperwork like ITR documents if you’re self employed, or even force you to lock up money in a fixed deposit just in case you screw up.
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High Risk of Getting Shot Down: If your score is way below 700 (like under 650) and your income sucks or your job history is a disaster, SBI will probably just reject you without a second thought. You’ll get some generic email or text telling you the bad news, and you can call their customer service at 1800 180 1290 to find out exactly why they don’t want you.
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What to Do If They Turn You Down: Don’t beat yourself up too much. Start fixing your credit score by paying off whatever mess of debts you have, clearing any overdue payments that are haunting you, and keeping your credit card spending way under 30% of your limit. Wait around 3-6 months, check your score again on CIBIL or Experian, and try again when you’re closer to that magical 750 number. You could also settle for an easier SBI card like SimplySAVE instead.
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Plan B: If getting approved seems basically hopeless, look into a secured SBI credit card like SBI Unnati where you have to put your own money down as collateral with SBI. These cards don’t give a damn about your credit score and can help you slowly rebuild credit for a future Shaurya Select attempt.
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Reality Check: Before you even bother applying, check your credit score for free on sites like CIBIL or Paisabazaar. If it’s below 700, maybe call SBI customer service first to see if your income or being an existing SBI customer might actually save you. And when you do submit documents, make sure everything is perfect because they’re already looking for reasons to say no.
Even with a score below 700, you might still have a slim chance if the rest of your financial picture is really solid. Just call SBI directly or check out to see if you’ve got any realistic shot at all.
https://www.sbicard.com/en/personal/credit-cards/defense/shaurya-select-sbi-card.page