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Delhi Metro SBI Card Review
The Delhi Metro SBI Card is a clever two-in-one: a regular SBI credit card and a Delhi Metro smart card in one piece of plastic. For Delhi commuters it removes the recharge hassle with auto top-up, adds a 10% metro discount, and still earns accelerated reward points on everyday categories. Here is the verified review.
- Doubles as a Delhi Metro smart card
- 10% discount on metro travel
- Auto top-up — never run out at the gate
- 10X reward points on five everyday categories
- Fee waived on ₹1 lakh annual spend
- Welcome: 2,000 RP + ₹50 cashback on first auto top-up
- Metro perks only matter if you use Delhi Metro
- 1 RP/₹100 base rate on non-bonus spends
- No lounge access
- Reward caps may apply on bonus categories
- ~3.5% forex markup
Fees & rewards
| Item | Detail |
|---|---|
| Joining/annual fee | ₹499 + GST (renewal waived at ₹1 lakh annual spend) |
| Metro discount | 10% on metro travel |
| Auto top-up | ₹200 added when smart-card balance hits ₹100 |
| Accelerated rewards | 10X RP on dining, grocery, dept stores, movies, utility SIs |
| Base rewards | 1 RP/₹100 on other spends |
| Welcome | 2,000 bonus RP + ₹50 cashback on first auto top-up |
| Fuel surcharge waiver | 1% (₹500–₹3,000) |
Eligibility & documents
Age
21 to 60 years
Income
Per SBI Card norms
Recommended CIBIL
~720+
Network
RuPay (credit + metro)
Best for
Daily Delhi Metro commuters
Documents
PAN, Aadhaar, income & address proof
Rewards & commuter value
The 10X reward points on dining, grocery, departmental stores, movies and utility standing instructions mean a commuter who also routes everyday spends here earns quickly, while the 10% metro discount and auto top-up deliver daily, practical value. For a regular Delhi Metro user the fee is comfortably justified — and waivable at ₹1 lakh spend.
Who this card is for
- Best fit: daily Delhi Metro commuters who want fares and everyday spends on one card.
- Skip if: you don’t use the Delhi Metro — a general rewards card will serve better.
How to apply & how to cancel
Apply: via sbicard.com or DMRC channels. Cancel: call SBI Card after clearing dues; redeem points first.
Final verdict
The Delhi Metro SBI Card is a smart, practical pick for Delhi commuters — metro and credit in one card, 10% off fares, hassle-free auto top-up and 10X points on everyday categories, with a fee that’s easy to waive. If you ride the Delhi Metro regularly it’s a genuinely useful daily card; outside that use case, look at a broader rewards card.
Frequently asked questions
Does it work as a metro card?
Yes — it’s a credit-cum-metro smart card with auto top-up, so it taps in at Delhi Metro gates directly.
What is the joining fee?
₹499 + GST, with renewal waived on ₹1 lakh annual spend.
What’s the metro discount?
10% off metro travel, plus auto top-up of ₹200 when the smart-card balance falls to ₹100.
What rewards does it earn?
10X reward points on dining, grocery, departmental stores, movies and utility standing instructions; 1 RP/₹100 elsewhere.
Data last checked October 2026 against SBI Card’s launch announcement and terms; SBI Card no longer shows a product page for this card. Confirm current terms on sbicard.com before applying.