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SBI

SBI IRCTC Contactless Credit Card

VisaMidPoints
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Annual Fee

₹300

Reward Type

Points

Forex

1%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹300

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

irctc railway3.5%(cap ₹350)

Travel & Global

Forex Markup1%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

HDFC Regalia Gold (97%) →IndusInd Tiger Credit Card (96%) →IndusInd Pioneer Heritage Credit Card (95%) →SBI IRCTC Premier Credit Card (95%) →Axis Bank Neo (94%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹300 annual fee at the base reward rate of 1%, you need to spend ₹30,000 annually.

🎯 Pro Tips

  • ▸Earn 1 reward point for every ₹100 spent on all categories.
  • ▸Maximize rewards on travel bookings through IRCTC.
  • ▸Use the card for online shopping to earn additional points.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,700

Effective Rate

0.2%

Ranked #128 of 173 cards#128

₹300 annual fee deducted from gross rewards value.

🏷️ Best For

travellifestyleshopping