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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
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
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹590 | — |
| Annual / renewal fee | ₹590 | — |
| 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
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories 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.
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 BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IRCTC SBI Card Premier · this card | ₹590 | 10% travel | Not recorded |
| 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.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
We do not have redemption details recorded.
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.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
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.
IRCTC SBI Card Premier — 10% on travel. ₹590 a year.