SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for defence, csd, and grocery.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on canteen stores department (csd) military canteens, dining, movies, departmental stores, and grocery spends, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Fuel and wallet loads don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Groceries | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Canteen Stores Department (CSD) Military Canteens, Dining, Movies, Departmental Stores, And Grocery Spends
10 Reward Points / Rs 100 spent
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Canteen Stores Department (CSD) military canteens, dining, movies, departmental stores, and grocery spends | 10 Reward Points / Rs 100 spent |
| Other eligible purchases | 2 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per calendar year (limited to 1 visit per quarter).
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advance
- balance transfer
- wallet loading
- transactions excluded under SBI Card reward terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Renewal benefits
- 1,500 renewal bonus Reward Points worth Rs 375
Additional benefits
- Personal accident insurance cover of Rs 10 lakh, subject to policy terms
- Card can be embossed with service branch name (Army, Navy, Air Force, or Paramilitary)
- 24x7 complimentary concierge services
- 1% fuel surcharge waiver at petrol pumps in India on transactions from Rs 500 to Rs 4,000, capped at Rs 250 per statement cycle
Eligibility
Check this before you apply.
Salaried
- Designed for eligible defence, paramilitary and related service personnel
- Age: 21 to 70 years
Self-employed
- Designed for eligible defence, paramilitary and related service personnel
- Age: 21 to 70 years
Compare before you decide
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