SBI Card MILES on IRCTC
Yes. The SBI Card MILES gives 0.5% back when you pay on IRCTC directly, compared with 0.25% on its other spends.
On IRCTC
0.5%
Other spends
0.25%
Rank for IRCTC
#95 of 149
Annual fee
₹1,499 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
No cap
How it works
Travel Credits valued at ₹0.50 on SBI's travel portal: 0.5% on travel, 0.25% elsewhere. Converting 1:1 to airline and hotel partners doubles that.
Caps & rules
- 2 Travel Credits per ₹200 on travel, 1 per ₹200 on other spends.
- 1 Travel Credit = ₹1 when converted to airline or hotel partners, ₹0.50 on travel bookings, ₹0.25 on the catalogue.
- 5,000 bonus credits at ₹5 Lakh annual spend.
Reward limits
- 2 Travel Credits per ₹200 on travel: No limit
- 1 Travel Credit per ₹200 elsewhere: No limit
No rewards on
Fuel, rent, utilities, wallet loads, insurance
Checked 2026-10-11 · Bank terms
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-
#1
IRCTC SBI Card Premier
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10%
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#2
6.67%
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YES Bank POP CLUB Credit Card
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Where else the SBI Card MILES earns more
Questions
Does the SBI Card MILES give rewards on IRCTC?
Yes. The SBI Card MILES gives 0.5% back when you pay on IRCTC directly, compared with 0.25% on its other spends.
Is there a limit on SBI Card MILES rewards?
2 Travel Credits per ₹200 on travel, 1 per ₹200 on other spends. 1 Travel Credit = ₹1 when converted to airline or hotel partners, ₹0.50 on travel bookings, ₹0.25 on the catalogue. 5,000 bonus credits at ₹5 Lakh annual spend.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The SBI Card MILES ranks #95 of 149 cards we compared.