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State Bank of IndiaSBI Card IRCTC
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State Bank of India

SBI Card IRCTC

4.0Best for travel
Joining fee
₹500
Annual fee
₹300
Welcome bonus
₹350
Forex markup
3.5%
Interest p.a.
45%
Min income
—

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend categoryReward rateMonthly capEst. value/yr
Travel
Up to 10% value back as Reward Points on AC1/AC2/AC3/AC Chair Car tickets booked on irctc.co.in. RP for railway redemption ≈ ₹1; effective value-back stated as 10%
10%—₹12,000
All other spends0.2%—₹240

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Fees & charges

Joining fee₹500
Annual fee₹300
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹100/mo

Key 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

What we like

  • +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

What to watch

  • −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

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