Doctor's SBI Card on IRCTC
Yes. The Doctor's SBI Card gives 1.25% back when you pay on IRCTC directly, compared with 0.25% on its other spends.
On IRCTC
1.25%
Other spends
0.25%
Rank for IRCTC
#41 of 149
Annual fee
₹1,499 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
Max ₹1,875 a month (7,500 points)
How it works
1.25% on medical supplies and travel (5X), assuming pharmacy apps are coded as medical. 0.25% elsewhere. The main reason to hold it is the ₹20 Lakh professional indemnity cover.
Caps & rules
- 5 reward points per ₹100 on medical supplies, travel bookings and international spends (and all spends on 1 July, Doctors' Day), capped at 7,500 points a month for medical and travel together, and separately for international.
- 1 point per ₹100 elsewhere.
- 4 points = ₹1.
Reward limits
- 5X on medical supplies and travel: max 7,500 points per month
- 5X on international spends: max 7,500 points per month
No rewards on
Fuel, rent, wallet loads, government payments, EMI
Checked 2026-10-11 · Bank terms
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Questions
Does the Doctor's SBI Card give rewards on IRCTC?
Yes. The Doctor's SBI Card gives 1.25% back when you pay on IRCTC directly, compared with 0.25% on its other spends.
Is there a limit on Doctor's SBI Card rewards?
5 reward points per ₹100 on medical supplies, travel bookings and international spends (and all spends on 1 July, Doctors' Day), capped at 7,500 points a month for medical and travel together, and separately for international. 1 point per ₹100 elsewhere. 4 points = ₹1.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Doctor's SBI Card ranks #41 of 149 cards we compared.