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SBI Card
Delhi Metro SBI Card
RuPay
Delhi Metro SBI Card
A niche RuPay hybrid — credit card and Delhi Metro NCMC smart card in one — useful mainly for Delhi NCR commuters who want fare discounts and tap-to-travel convenience alongside everyday rewards.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- 🛒 Groceries
2.5% reward rate
- 🧾 Utilities
2.5% reward rate
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2,000 bonus reward points on card issuance
- Doubles as a Delhi Metro NCMC smart card with auto top-up (recharges ₹200 when balance drops below ₹100)
- 10% discount on Delhi Metro travel fares
Pros
- + Doubles as a contactless Delhi Metro smart card with auto top-up
- + 10X-style rewards on dining, grocery and utility spend
- + Low, easily-waived fee
Cons
- − Value is narrow outside Delhi NCR commuters
- − RuPay-only limits redemption/acceptance flexibility
- − Modest reward rate versus general-purpose cards