SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for railway, IRCTC, and travel.
Why it can work
It offers accelerated rewards on eligible railway ticket bookings on IRCTC.
Where value may drop
Fuel don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 768 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Eligible Railway Ticket Bookings On IRCTC
10 Reward Points / Rs 100 spent
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Eligible railway ticket bookings on IRCTC | 10 Reward Points / Rs 100 spent |
| Other eligible non-fuel retail purchases | 1 Reward Point / Rs 125 spent |
Redemption
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash withdrawal
- fees and charges
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 350 activation bonus Reward Points on a single transaction of Rs 500 or more within 60 days of card issuance
Renewal benefits
- 500 Reward Points on payment of renewal fee
Additional benefits
- Save 1% transaction charges on eligible railway ticket bookings on IRCTC
- 1% fuel surcharge waiver on eligible fuel transactions, capped at Rs 100 per statement cycle
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
Alternatives based on what you might want instead.