SBI Card
Delhi Metro SBI Credit Card
Annual Fee
₹295₹250 + GSTBase Reward
10% points
Foreign Markup
3.5% on the conversion amount
Welcome Benefits
2000 Reward Points on spending ₹2000 within the first 60 days of card issuance
Product Highlights
- 2000 Reward Points on spending ₹2000 within the first 60 days
- 10 RP on every ₹100 spent on Dining, Movies, Grocery, Departmental stores, and Utility bill payments
- Auto top-up of ₹200 on your Delhi Metro Smart card when your balance reaches ₹100
Category Rewards
dining
10 Reward Points
10X
entertainment
10 Reward Points
10X
grocery
10 Reward Points
10X
utilities
10 Reward Points
10X
Fee Waiver
Renewal fee waived on ₹1,00,000 annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
DMRC
10% Cashback on Delhi Metro top-ups (auto)(Cap ₹100/cycle)
Delhi Metro
10% Cashback on Delhi Metro top-ups (auto)(Cap ₹100/cycle)
Reward Calculator
Earns ₹905/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.8K
SBI Reward Points
₹1.2K
via standard · ₹0.25/pt
Effective rate
0.77%
Annual fee
₹295
Year 1 net
+₹905
Year 2+ net
+₹905
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10% Cashback on Delhi Metro top-ups (auto)
Headline: 10.00% effective
₹100/cycle ÷ 10.00% = ₹1,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
You earn 10 reward points on every ₹100 spent on Dining, Movies, Grocery, Departmental stores, and utility bill payments. You get 1 reward point for every ₹100 spent on other categories.
- Reward points can be redeemed against the SBI Card reward catalogue or statement cash.
Benefits & Features
1% surcharge waiver on all fuel transactions at all fuel stations across India
Pros & Cons
Pros
- 10 reward points on every ₹100 spent on Dining, Movies, Grocery, Departmental stores, and Utility bill payments
- Renewal fee waiver on annual spending of ₹1,00,000
- 1% surcharge waiver on all fuel transactions
Cons
- No reward points on fuel transactions
- Redemption fee of ₹99 per request
Additional Info
Up to 5,000 reward points per statement cycle
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee waived on ₹1,00,000 annual spend