SBI Railway Booking Offers Credit Cards in India 2026

5% cashback on following Paytm spends - travel bookings (flights, train & bus) || movie tickets || shopping at Paytm Mall
- You earn ₹5 cashback, on every ₹100 you spend in these categories (no limit on cashback)

2% special cashback on all other Paytm spends 
- You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% cashback on all other spends (non-Paytm spends) 
– You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback)
– Exception : No cashback is given on rent transactions, wallet loads and fuel purchases.

Cashback is credited as Paytm vouchers, in your Paytm Wallet

Upto 0.6% additional benefit at certain yearly spend targets (milestone benefits)
– You earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend
– You earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend
(You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons)

Complimentary access to airport lounges in India - 1 time per quarter 

Free Priority Pass membership worth US $99, for international airport lounges 
– You get free Priority Pass membership for the first 2 years
– While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $32 per visit, please refer to Priority Pass website to get latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card, giving you peace of mind

1% fuel surcharge waiver at all fuel stations, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is restricted to ₹250 per monthly card statement cycle

Benefits :
– Good card for Paytm users – since you get upto 5% cashback on a variety of spends, plus milestone related benefits
– Airport lounge benefits

Drawbacks to consider :
– You need to consider other cards to earn higher rewards on non-Paytm purchases
– Not a good card for people who prefer in-store shopping, and do not like online shopping

10.80% benefit on AC class rail ticket bookings on IRCTC (in non-peak season)
✔︎ 10% benefit
– You earn 10 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
✔︎ 0.80% benefit
– You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

4.80% benefit on AC class rail ticket bookings on IRCTC (in peak season)
✔︎ 4% benefit
– You earn 4 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
✔︎ 0.80% benefit
– You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets
(1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC).

0.80% benefit on all other card spends
– You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).
– 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

Complimentary railway lounge access – 1 per quarter

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

Fuel surcharge waiver, upto ₹100 per month : You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel spends upto ₹10,000 per month (since the maximum waiver is capped at ₹100 per monthly card statement cycle)

Benefits
– Good benefit of upto 10.80% on AC class railway tickets – 10.80% in non-peak season, and 4.80% in peak season.
– Complimentary access to railway lounges – once per quarter.

Drawbacks to consider
– You need to consider other cards to earn higher rewards on non-railway spends
– No discount on non-AC rail tickets.