SBI IRCTC Credit Card
*Apply links lead directly to official partner or bank portal. Verify latest T&C before applying.
SBI IRCTC Credit Card
Up to 10% value back as Reward Points on IRCTC bookings
₹300
Standard Fee
Up to 10% value back as Reward Points on IRCTC bookings
Reward Points
Check terms
Domestic focus
3.5%
Standard markup
The Loot Verdict
Executive summary for savvy cardholders
🎯 Ideal For
Cardholders looking for reliable rewards and perks.
⚡ Value Calculation
Annual Fee: ₹300. Easily recovered if annual spends exceed fee waiver benchmarks.
Interactive Net-Value & Cashback Calculator
Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.
+₹19,200/yr
₹1,600/mo (Points + Milestone Vouchers)
₹300
Standard annual fee
₹18,900
🔥 5.3% net return on your spend
Similar Cards to Consider
Compare rewards, fees, and perks side by side.
Axis Bank Magnus Credit Card for Burgundy
Axis Bank
Joining Fee: ₹30,000Axis Bank Magnus Credit Card for Burgundy
- •35 EDGE Rewards per ₹200 spent above ₹1.5L/mo threshold (5:4 transfer ratio)
- •Unlimited domestic lounge access
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Joining Fee: ₹0Amazon Pay ICICI Bank Credit Card
- •5% Cashback for Prime members (3% non-Prime) on Amazon
- •Uncapped 5% cashback on Amazon
- •Lifetime free card
American Express
Joining Fee: ₹60,000American Express Platinum Card
- •1 MR Point per ₹50 spent (up to 5X on Reward Multiplier)
- •Centurion lounge access
- •5-star hotel elite status tier status