Free travel rewards for IRCTC bookings and everyday spending
1,500 reward points worth ₹1,500
Base earn rate
1 Reward Point per ₹125 spent on other non-fuel retail purchases
SBI Card Reward Points
Excludes: Fuel
| Category | Rate | Cap |
|---|---|---|
| Dining | 3 Reward Points per Rs. 125 spent on Dining | — |
| Utility Standing Instructions | 3 Reward Points per Rs. 125 spent on standing instructions on Utility spends | — |
| Irctc Railway Tickets | Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car | — |
| Air Tickets Irctc | 5% back on Air ticket purchases on www.air.irctc.co.in | — |
| Ecatering Irctc | 5% back on e-catering purchases on www.ecatering.irctc.co.in | — |
2,500 Reward Points on annual travel spends of Rs. 50,000 5,000 Reward Points on annual travel spends of Rs. 1 Lakh Spend based reversal of annual fee on spends of Rs. 2 Lakhs Spend Based Renewal Fee will be reversed within 30 days from Annual fee charged date. For the list of eligible MCCs for milestone benefits on travel spends, click here
Domestic
8visits / year
International
Not included
Railway lounge access — Included
8 complimentary railway lounge access in a year in India (max. 2 per quarter). Complimentary access to railway lounges will be applicable only for primary cardholders. Click here for FAQs on railway lounges
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹100 | Nil |
| ₹100 – ₹500 | ₹100 |
| ₹500 – ₹1,000 | ₹500 |
| ₹1,000 – ₹10,000 | ₹750 |
| ₹10,000 – ₹25,000 | ₹950 |
| ₹25,000 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Fraud liability
₹1L
Fraud Liability cover of Rs. 1 lakhs
Additional features
No rewards on
Fuel
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