SBI Travel Credit Cards in India 2026

3% reward (in term of airmiles/ hotel points) on travel spending

• 3 travel credits worth 3 airmiles/ hotel points, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

1% reward (in term of airmiles/ hotel points) on all other card spends

• 1 travel credits worth 1 airmile/ hotel point, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1.6% additional reward (in term of airmiles/ hotel points), at ₹12 lakh annual card spend (milestone benefits)

• Earn 20,000 travel credits worth 20,000 airmiles/hotel points, at ₹12 lakh annual card spend. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to international airport lounges - 6 times per year (maximum 2 times per quarter)

• This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every 1 lakh you spend on your card

Complimentary insurance benefits

• Up to 6 flight cancellations per year, each limited to ₹3,500
• Lost card liability up to ₹1 lakh
• Loss of check-in baggage up to ₹72,000
• Delay of check-in baggage ₹7,500
• Loss of travel documents up to ₹12,500
• Baggage damage cover up to ₹5,000

Lower foreign currency fee of 1.99% on international card transactions

1% fuel surcharge waiver, up to ₹500 per month

10.80% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep)

10% reward

• 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.

Reward points redemption: 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

4.80% benefit on AC class rail ticket bookings on IRCTC – in peak season (1st April – 14th July, and 16th Sep – 14th Jan)

4% reward

• 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% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

5% benefit on air ticket purchases on IRCTC (www.air.irctc.co.in)

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC

5% benefit on e-catering purchases on www.ecatering.irctc.co.in

• You earn 5 reward points worth ₹5, on every ₹100 spent in this category
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at 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
• 1 reward point = ₹1. Reward points are transferred to your IRCTC account and can be used to book AC class rail tickets at IRCTC
• Exceptions : No reward points are given on fuel purchases, rent payments.

Up to 7.50% additional benefit on travel spends (milestone program)

• You get 2500 reward points worth ₹2500, at annual travel spend of ₹50,000 - 5% benefit
• You get an additional 5000 reward points worth ₹5000, at annual travel spend of ₹1 lakh. Hence you can earn 7500 reward points worth ₹7500, at annual travel spend of ₹1 lakh - 7.50% benefit

Complimentary railway lounge access – 2 times per quarter

1% transaction charges waiver on IRCTC railway ticket bookings 

Fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹500 and ₹4000

7% cashback on all Ola rides

• Get 7 reward points worth ₹7, on every ₹100 you spend on Ola rides
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet. You can use OlaMoney to pay for everything starting from your cab fares, mobile bills, DTH recharges, electricity & gas bills, and for online shopping. Some of the premium partners include BookMyShow, eBay, Dominos, Cleartrip, and OYO Rooms.

1% cashback on all other card spends

• 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1, and is credited as cashback into your Ola Money Wallet.

Fuel surcharge waiver, up to ₹100 per month

5% reward (in KrisFlyer miles) on Singapore Airline spends: Earn 5 KrisFlyer miles on every ₹100 spent at Singapore Airlines

4% reward (in KrisFlyer miles) on international spends: Earn 4 KrisFlyer miles on every ₹100 spent abroad

3% reward (in KrisFlyer miles) on other card spends: Earn 3 KrisFlyer miles on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 2% additional reward (in terms of KrisFlyer miles), based on certain annual card spends (milestone benefits)

• Earn 10,000 KrisFlyer miles, at ₹5 lakh annual card spend - 2% reward (in terms of KrisFlyer miles)
• Earn an additional 3000 KrisFlyer miles (total 13,000 miles), at ₹10 lakh annual card spend - 1.3% reward (in terms of KrisFlyer miles

Tier upgrade to KrisFlyer Elite Gold membership, on spends of ₹7.50 lakhs on Singapore Airlines

Complimentary visits to international airport lounges - 8 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹10 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

10.80% reward on AC class rail ticket bookings on IRCTC (in non-peak season)

10% reward

• 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% reward

• You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

Reward points redemption: 1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC

4.80% reward on AC class rail ticket bookings on IRCTC (in peak season)

4% reward

• 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% reward

• You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

0.80% reward on all other card spends

• 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 up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000

2% reward (in term of airmiles/ hotel points) on travel spending

• Earn 2 travel credits worth 2 airmiles/ hotel points, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

1% reward (in term of airmiles/ hotel points) on all other card spending

• Earn 1 travel credits worth 1 airmile/ hotel point, on every ₹100 spent on all other card spending. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1.25% additional reward (in term of airmiles/ hotel points), at ₹8 lakh annual card spend (milestone benefits)

• Earn 10,000 travel credits worth 10,000 airmiles/hotel points, at ₹8 lakh annual card spend - 1.25% reward (in term of airmiles/ hotel points). 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to international airport lounges - 4 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every ₹1 lakh you spend on your card

Complimentary insurance benefits

• Up to 6 flight cancellations per year, each limited to ₹3,500
• Lost card liability up to ₹1 lakh
• Loss of check-in baggage up to ₹72,000
• Delay of check-in baggage ₹7,500
• Loss of travel documents up to ₹12,500
• Baggage damage cover up to ₹5,000

Lower foreign currency fee of 2.50% on international card transactions

1% fuel surcharge waiver, up to ₹250 per month

1% reward (in term of airmiles/ hotel points) on travel spending

• Earn 1 travel credit worth 1 airmile/ hotel point, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

0.50% reward (in term of airmiles/ hotel points) on all other card spends

• Earn 0.50 travel credit worth 0.50 airmile/ hotel point, on every ₹100 spent on all other card purchases. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1% additional reward (in term of airmiles/ hotel points), at ₹5 lakh annual card spend (milestone benefits)

• Earn 5,000 travel credits worth 5,000 airmiles/hotel points, at ₹5 lakh annual card spend - 1% reward (in terms of airmiles/ hotel points). 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to domestic airport lounges - 4 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every ₹1 lakh you spend on your card.

Complimentary Priority Pass membership enabling access to international lounges, but each visit is chargeable. Priority Pass membership worth USD 99, is complimentary for the first two years only.

Lower foreign currency fee of 3% on international card transactions, versus usual charges of 3.50%-3.75% levied by most cards in the industry

1% fuel surcharge waiver, up to ₹250 per month

2.50% reward (in terms of KrisFlyer miles) on Singapore Airline spends: Earn 2.50 KrisFlyer miles on every ₹100 spent at Singapore Airlines

2.50% reward (in terms of KrisFlyer miles) on international spends: Earn 2.50 KrisFlyer miles on every ₹100 spent abroad

1% reward (in terms of KrisFlyer miles) on all other card spends: Earn 1 KrisFlyer mile on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 1% additional reward (in terms of KrisFlyer miles), at ₹3 lakh annual card spend (milestone benefits): Earn 3,000 KrisFlyer miles, at ₹3 lakh annual card spend - 1% reward (in terms of KrisFlyer miles)

Tier upgrade to KrisFlyer Elite Silver membership, on spends of ₹2.50 lakhs on Singapore Airlines

Complimentary visits to domestic airport lounges - 4 times per year (maximum 1 time per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹1 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

• Rent/property management
• Fuel purchases
• Utility bills
• Insurance payments
• Wallet loads
• School & educational services
• Jewelry purchases
• Railway bookings
• EMI transactions
• Standing instructions
• Cash advances
• Balance transfer
• Non-customer-initiated spending like annual fees, late fees, and other fees & charges
• Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

• ₹5,000 combined across all spending categories. 
• Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

5% reward on Paytm travel bookings: Earn 5 reward points worth ₹5, on every ₹100 you spend in these categories (no limit on reward points)

2% reward on all other Paytm spends: Earn 2 reward points worth₹2, on every ₹100 you spend on all other Paytm transactions (no limit on reward points)

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• Important exclusions: Reward points are not given on rent transactions, wallet loads and fuel purchases.

Reward points are converted and credited as Paytm vouchers, in your Paytm Wallet

Up to 0.6% additional reward based on yearly card spend targets (milestone benefits)

• Earn ₹2000 (in gift vouchers), at ₹4 lakhs yearly card spend - 0.50% benefit
• Earn ₹4000 (in gift vouchers), at ₹6 lakhs yearly card spend - 0.66% benefit
• 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 $35 per visit, please refer to Priority Pass website for latest charges)

Complimentary cyber fraud insurance of ₹2 lakhs - to protect against unauthorized transactions on your credit card

1% fuel surcharge waiver at all fuel stations up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

3% reward on following Paytm spends - travel tickets (flights, train & bus) || shopping at Paytm Mall || movie tickets

• Earn 3 reward points worth ₹3, on every ₹100 you spend in these categories
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

2% reward on all other Paytm spends 

• Earn 2 reward points worth ₹2, on every ₹100 you spend on all other Paytm transaction
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.

1% reward on all other card spends (non-Paytm spends) 

• Earn 1 reward point worth ₹1, on every ₹100 you spend on all other card transactions
• 1 reward point = ₹1.
• Reward points are automatically transferred as Paytm Gift Vouchers to the cardholder's Paytm Wallet linked to the registered mobile number on the card.
• Exception: No reward points are given on rent transaction, wallet loads and fuel purchases

Complimentary cyber fraud insurance of ₹1 lakh

1% fuel surcharge waiver at all fuel stations up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000

2.50% reward (10X) on select online partners – Myntra (fashion) || Cleartrip, Yatra (travel) || Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine) || IGP

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend at these partners.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

1.25% reward (5X) on all other online purchases up to ₹2 lakhs per month 

• Earn 5 reward points worth ₹1.25 (1 rupee & 25 paise), on every ₹100 you spend on all other online purchases.
• 1 reward point = ₹0.25 or 25 paise approximately, and can be redeemed for gift vouchers from SimplyCLICK Partners, in the rewards catalogue.

0.25% reward (X) on all other card purchases: Earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.

Up to 2% additional reward, based on annual card spending (milestone privileges)

• Get ₹2000 Cleartrip/Yatra voucher, at ₹1 lakh yearly online card spend - 2% reward
• You get an additional ₹2000 Cleartrip/Yatra voucher (total ₹4000 vouchers), at ₹2 lakhs yearly online spend - 2% reward

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹3000