SimplifyCards take:A good fit if you want a card built for railway, IRCTC, and travel
✓
Best for Eligible AC Rail Ticket Bookings On IRCTCBest for
10 Reward Points / ₹125 spent
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for railway, IRCTC, and travelBottom line
It combines complimentary airport lounge access and accelerated rewards on eligible ac rail ticket bookings on IRCTC
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Eligible AC Rail Ticket Bookings On IRCTC | 10 Reward Points / ₹125 spent |
| Other Eligible Non-Fuel Retail Purchases | 1 Reward Point / ₹125 spent |
Redemption
IRCTC railway ticket bookingsupto ₹ 1 per reward point
Important conditions
1
Domestic lounge4 visits per year
- 4 complimentary railway lounge visits per year in India, capped at 1 per quarter, for the primary cardholder
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 350 activation bonus Reward Points on a single transaction of ₹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 ₹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
Exclusions
Spending that does not earn reward points
- fuel
- cash withdrawal
- fees and charges
- disputed transactions
Compare before you decide
Alternatives based on what you might want instead