SBI CardVisaIRCTC Credit Card
3.9NeoFinQ editorial rating
Dedicated railway travel rewards
- Railway-focused rewards
- Low fee with easy waiver
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Best for frequent IRCTC bookers.
Perfect for
- Frequent train travelers
- IRCTC bookers
Not ideal for
- Non-train travelers
Pros & cons
- Railway-focused rewards
- Low fee with easy waiver
- Limited to railway ecosystem
Rewards
Up to 10% value back on IRCTC AC tickets (AC1, AC2, AC3, CC); 3 points per ₹125 on Dining and Airlines; 1 point per ₹125 on other spends. Points earn structure applies to IRCTC SBI Card Premier specifically given the ₹1,499 fee.
| Category | Earn rate |
|---|---|
| Travel | 5% |
Welcome offer
1,500 Reward Points on payment of joining fee
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 4 complimentary railway lounge visits per year in India (1 per quarter)
More benefits
- Welcome Bonus: 1,500 Reward Points on payment of joining fee
Fees & charges
| Joining fee | ₹1,499 |
| Annual fee | ₹1,499 |
| Renewal fee | ₹1,499 |
| Fee waiver | No renewal fee waiver |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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Annual fee ₹1,499