IRCTC SBI Card
SBI Card · Points/miles card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST |
| Welcome benefit | ~₹350 value |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| Up to 10% value back on IRCTC AC rail tickets | 10% | ₹1,000 | travel · online |
| 1 reward point per Rs.125 other | 0.2% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Reward value concentrated on IRCTC website/app AC-class rail bookings; 4 railway lounge visits/year.
Off-rail earn is a nominal 1 RP/Rs.125.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the IRCTC SBI Card lifetime free?
No, the annual fee is ₹500 (plus GST) with no spend-based waiver.
What is the highest reward rate on the IRCTC SBI Card?
10% — Up to 10% value back on IRCTC AC rail tickets. Effective value depends on monthly caps; see the caveats on this page.
Does the IRCTC SBI Card give airport lounge access?
Yes — 4 domestic visits/year.
Where the IRCTC SBI Card fits
Ranks in our: Travel credit cards in India (#5).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.