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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
SBI

IRCTC SBI Card

Comprehensive card intelligence for the IRCTC SBI Card by SBI. Verified against official issuer terms.
✓ Verified SourceOfficial Terms
₹500/year
Layer 1 — Official Specs

At a Glance

Core facts and baseline specifications for decision-making.

Annual Fee
₹500
+ 18% GST
Fee Waiver Spend
No Waiver
Payable annually
Reward Earning
Up to 10% value back in Reward Points on AC railway tickets booked on irctc.co.in cashback
Official rule schedule
Lounge Access
None
Not supported
Layer 1 — Issuer Reward Rules

Rewards & Cashback Structure

Detailed reward percentages, accelerated merchant categories, and base returns.

  • Up to 10% value back in Reward Points on AC railway tickets booked on irctc.co.in
  • 1 RP/₹125 retail
Reward Currency Valuation
1 RP = ₹1 on train ticket bookings (irctc.co.in)
Layer 1 — Official Fee Rules

Fees & Waiver Economics

Joining and annual fees, government taxes, and spend-based fee waiver rules.

Annual Card Fee
Billed annually on card anniversary
₹500
GST on Annual Fee (18%)
Standard government indirect tax rate
₹90
Fee Waiver Condition
Fee applies regardless of spend
No waiver threshold available
Layer 1 — Official Specifications

Card Specifications & Perks

Airport lounge access, foreign exchange markup, fuel surcharge waivers, and eligibility.

Domestic Airport Lounge
Not Offered
No complimentary domestic lounge access
Fuel Surcharge Waiver
1% Waiver
Transactions between ₹400 and ₹5,000
Payment Network
Visa
Accepted worldwide wherever network is supported

Layer 2 — DhanChakshu Analysis

Caps, Restrictions & Exclusions

Important fine print that impacts reward realization in real-world spending.

Important Issuer Terms
Review official MITC documents for merchant exclusions (fuel, utilities, wallet reloads, and government payments).
Layer 2 — DhanChakshu Analysis

DhanChakshu Take & Evaluation

Objective editorial assessment based on the 50-card comparative benchmark.

The DhanChakshu Verdict

7-Factor benchmark evaluation

The IRCTC SBI Card by SBI is a verified card in our 50-card universe.

✓ Good Fit For:
  • Cardholders seeking reliable rewards across regular everyday spending.
  • Users comfortable with the ₹500 annual fee structure.
  • Users who prefer direct, automated statement cashback.
⚠ Watch Out If:
  • Your monthly spending regularly exceeds category cashback caps.
Layer 2 — DhanChakshu Compare

Compare With Similar Cards

See how this card stacks up head-to-head against popular alternatives.

Compare Against Any Card
Select another card from our 50-card universe to evaluate differences in fees, rewards, and lounge access.
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Educational Guides & Strategy

Understand reward mechanics and credit card fine print before choosing.

How to Choose the Right Credit Card for Your Spending
A step-by-step framework to find your spending fit.
Read Guide →
How to Use Two Credit Cards to Maximize Your Spending
The smart way to build a complementary two-card combo.
Read Guide →
Layer 1 — Official Terms

Source Attribution & Verification

Every factual claim is traced to official issuer documentation and verified.

DHANCHAKSHU VERIFICATION

Card and reward rules were verified against official SBI terms & conditions and Most Important Terms & Conditions (MITC) documents. Last checked: 2026-09-22.

Issuer terms can change. Always confirm the latest terms directly with the bank before applying.

SOURCE DOCUMENT
SBI Most Important Terms & Conditions (MITC) (Official Issuer Terms)
Last verified: 2026-09-22
IRCTC SBI Card₹500/yr
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