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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.2% | 0.5% | 0.7% | 0.7% | 0.8% |
| Est. Monthly Reward (₹) | 10 | 50 | 135 | 370 | 775 |
| All-India Rewards Rank* | 132 | 124 | 137 | 175 | 171 |
| Within Bank Rank* | 7 | 21 | 29 | 50 | 49 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The IRCTC Rupay SBI Card gives 10% value back as reward points on AC1, AC2, AC3 & AC CC on train tickets and 0.8% on all other spending.
Overall, we estimate you can earn a net reward yield of 0.5-0.8% on monthly spending above ₹10,000 with this card.
The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.
The SBI Unnati Credit Card is the best entry level card, if you spend less than ₹10,000 . It offers a net reward yield of 0.3-1.1% with this card on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | IRCTC Rupay SBI Card |
|---|---|
| Card Type | Reward |
| Reward Features | 10% Value Back as Reward Point on AC1, AC2, AC3 & AC CC on train tickets
1 Rewards / ₹125 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | 4 Complimentary Railway Lounge Visits / Year |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem rewards on IRCTC Website and Mobile App 1RP=₹1 |
| Card | IRCTC Rupay SBI Card | |
|---|---|---|
| Joining Fee | ₹500 + Taxes | |
| Annual Fee | ₹300 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
