State Bank of India
SBI Card IRCTC
4.0 / 5rupay
- Joining fee
- ₹500
- Annual fee
- ₹300
- Base reward
- 0.2%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 10% | Uncapped |
Benefits
- ▸Up to 10% value back on AC train tickets booked via IRCTC website/app
- ▸1% transaction charge waiver on railway ticket bookings on irctc.co.in
- ▸4 complimentary railway lounge visits per year (max 1 per quarter)
- ▸1 RP per ₹125 on other retail spends
- ▸1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)
- ▸RuPay network enables UPI linking
The good
- + Up to 10% value back on AC train tickets via IRCTC
- + 1% transaction charge waiver on IRCTC bookings
- + Complimentary railway lounge access
- + Low ₹500 joining fee and RuPay UPI support
The catch
- − Rewards mainly useful for frequent train travellers
- − Only 0.2% base value back on general spends
- − No annual fee waiver condition published
- − Reward redemption largely tied to IRCTC ecosystem