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▾SBI Delhi Metro Credit Card Review
Best for: Delhi Metro daily commuters who load smart cards or use DMRC app for ticketing.
- 5% cashback on DMRC card top-ups
- Low ₹499 fee
- RuPay variant UPI-linkable
- Works on Noida and Rapid Metro too
- Welcome Amazon ₹500 voucher
- Niche — only useful in Delhi NCR
- 5% capped at ₹50/month
- No lounge
- Base earn weak
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST |
| Renewal fee | ₹499 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
DMRC smart-card top-ups and app payments earn 5% cashback (capped ₹50/month). Base retail 1 RP per ₹100 (0.25%). Welcome Amazon voucher ₹500.
Key benefits
- 5% on DMRC top-ups (cap ₹50/month)
- RuPay variant for UPI
- Welcome ₹500 Amazon voucher
- 1% fuel surcharge waiver
- Works on Noida Metro and Rapid Metro
Who the SBI Delhi Metro is for
Delhi NCR commuters who load ₹1,000+/month on metro smart cards. At cap utilisation, saves ₹600/year — just enough to cover fee + some.
Final verdict
Extremely narrow card. Delhi-only utility. If you commute daily on metro in NCR, this covers its fee; everyone else should skip.
FAQ
Does the 5% work for Mumbai Metro or Bangalore Namma Metro?
No — card benefits are exclusive to DMRC, Noida Metro and Rapid Metro (NCR only).
Can I load a friend's smart card?
Top-up is usually recognised based on merchant ID (DMRC), not the card holder — the cashback applies to the cardholder doing the payment.
Is this card available outside Delhi?
Technically issued anywhere in India, but the core benefit requires NCR metro usage.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.