IRCTC SBI Card

Joining fee

₹500

Annual fee

₹500

Forex markup

3.5%

reward points

• travel-flights: 4%"Express Rewards" tier on IRCTC ticket bookings (1st/2nd/3rd AC, Executive/AC Chair Car only — not earned on 3E or Sleeper Class), keyed to how far in advance of the travel date the booking is made. The exact day-windows separating Express from Super-Fast are not given in the source document.
• travel-flights: 10%"Super-Fast Rewards" tier on IRCTC ticket bookings, same class restrictions as Express — the higher of the two named booking-timing tiers.
• everything-else: 1 points / ₹125Non-fuel retail purchases. Rate intentionally left uncomputed: whether points earned this way redeem at the same ₹1-per-point ticket-fare rate the IRCTC-specific tiers use, or at a lower rate, is not stated in either source document.

A 1% transaction-charge waiver also applies specifically to IRCTC train ticket bookings, separate from the points earned on them. Purchase Points (a top-up if a redemption falls short) cost ₹1.5 each and are also worth ₹1 toward fare — a real cost to the cardholder, not free points.

• fuel: "Non-fuel retail purchases" is the exact phrasing for the 1-point-per-₹125 rate — fuel is named as excluded from it.

Not published by the issuer.

No specific eligibility criteria published by the issuer.

• •Review the fees, rewards, and eligibility above against your own spending pattern — this card has no single standout feature over the rest of the portfolio.

Verified from official issuer sources. Last verified 26 August 2026