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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
SBI
entry
•••• •••• •••• 0000
IRCTC RuPay
RuPaySBI • RuPay• Entry
Annual Fee
₹500
Base Reward Rate
0.80%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
₹500
Verified
2026-05-25
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
1/qtr railway lounges.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹8,424
Blended 1.35% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
350 RP welcome on ₹500 in 60 days. 4-10% on IRCTC AC trains.