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STATE BANK
Up to 10% value back on AC rail bookings with no monthly or annual cap, and 8 railway lounge visits
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromTravel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Only 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings earn the value back. Sleeper and general class do not. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Travel — Up to 10% value back on 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings at irctc.co.in and the IRCTC app, with no monthly or annual cap., with no stated cap.
Biggest limitation
Only 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings earn the value back. Sleeper and general class do not.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10%
uncappedTravel
Up to 10% value back on 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings at irctc.co.in and the IRCTC app, with no monthly or annual cap.
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹590 | — |
| Annual / renewal fee | ₹590 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, from nil below Rs. 500 up to Rs. 1,300 above Rs. 50,000, as published in SBI Card's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹590 a year
charged with no published way to avoid it
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKTata Neu Plus SBI Credit Card₹589
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC SBI Card Premier · this card | ₹590 | 10% travel | No |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| Tata Neu Plus SBI Credit Card | ₹589 | Up to 5% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹590 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Only 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings earn the value back. Sleeper and general class do not. Only 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings earn the value back. Sleeper and general class do not. Only 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings earn the value back. Sleeper and general class do not.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Up to 10% as Reward Points on 1AC, 2AC, 3AC, Executive Chair Car and Chair Car bookings made at irctc.co.in or in the IRCTC app — and SBI publishes no capping on the monthly or annual amount. That uncapped 10% is what separates this card from the IRCTC BOBCARD, which pays 10% only for travel dates in two windows and 4% the rest of the year.
No. SBI states there is no capping on the monthly or annual value-back amount for rail bookings on this card. That is unusual — nearly every accelerated category in this catalogue carries a monthly ceiling — and it is the main reason to choose the Premier over a cheaper rail card if you book a lot of AC travel.
Eight complimentary railway lounge visits a year, with a maximum of two a quarter. Access is for the primary cardholder only and a valid train ticket has to be shown at the lounge entrance. There is no airport lounge access on this card.
Rs. 500 plus taxes to join and the same again each year, which is Rs. 590. Paying the first annual fee returns 1,500 Reward Points worth Rs. 1,500, so year one is comfortably positive before any spending. There is no spend-based waiver, so from year two the Rs. 590 needs to be earned back — one Rs. 6,000 AC booking does it.
1 Reward Point per Rs. 125 spent, on both domestic and international transactions. At Rs. 1 a point that is about 0.8%, which is thin. This is deliberately a single-purpose card: it is worth holding for rail bookings and not worth making your main card.
Yes, two years from the date of your registration in the rewards programme. On a card earning 10% on rail bookings that is rarely a problem for an active traveller, but the 1,500 welcome points will lapse if the card sits unused.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
