SBI Card

RuPay

IRCTC Premier

•••• 4421

SBI Card

IRCTC Premier

Verified against MITCRuPay

₹1,500

annual fee

0.8%

base reward rate

Rewards

4 rules

IRCTC

reward points

cap: none

~95%

Dining

reward points

2.4%

cap: none

~95%

Fuel

cashback

cap: ₹250/mo

~95%

Everything else

reward points · base rate · excl. cash advance, education, emi, fuel, govt payments, insurance, jewelry, rent, utility, wallet load

0.8%

cap: none

~95%

Best uses

1 merchant, 3 categories

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

IRCTC Dining Travel Fuel

Who it's for

Minimum income

Not specified

Minimum credit score

Not specified

Best for

Everyday spends

Reward rules are curated from issuer MITC documents and cross-checked by our team. Always confirm the latest rules in your bank app before relying on a recommendation.

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