Delhi Metro SBI Card Review 2026: Fees, Rewards & Metro Benefits

Explore the Delhi Metro SBI Card with auto top-up, 10x rewards on groceries & utilities, and 10% metro fare discounts. Check fees, eligibility, and benefits.

Vyaya Team · Mar 2026

5 min read

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Value Score

7.2 / 10

Annual Fee

₹499

Best For

daily-commuter, entry-level-user

Network

Visa

Expert Verdict

REWARD SUMMARY

0.25% Base Rewards
The Multi-purpose Card for your Smarter Commute

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The Bottom Line

The Delhi Metro SBI Card is an excellent niche product for daily commuters in the NCR region, offering seamless travel and decent rewards on essentials. While it lacks lifestyle perks like lounge access, its utility as a metro smart card is unmatched for its target audience. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on dining and 2,000 bonus points. For anyone researching delhi metro sbi card, the verdict is simple: recommended.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with daily-commuter, entry-level-user. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like

+Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.

+Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.

+10x reward points on daily essentials like groceries, dining, and utility bills.

+10% discount on Delhi Metro fares, consistent with standard smart card benefits.

+Low annual fee with a reachable spend-based waiver of ₹1 Lakh.

What we don't

–Monthly reward points are capped at 5,000 per statement cycle.

–No complimentary domestic or international airport lounge access.

–Low base reward rate of 0.25% on non-accelerated categories.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

daily-commuter

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Best value above ₹10,000/month

entry-level-user

Low annual fee and accelerated rewards on essential categories like groceries and utilities.

Best value above ₹8,500/month

Probably not for

Skip

–

luxury-traveler

Lacks premium travel benefits like lounge access or high-value air mile conversions.

–

high-spender

The 5,000 reward point monthly cap limits the value for those with high monthly spends.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Reward Rates

Delhi Metro SBI Card offers 0.25% basic reward rate.

Quick Calculator

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Where

Amount

₹

Dining

Movies

Groceries

Departmental Stores

Utility Bill Payments

Welcome Offer

2000 Bonus Points

Milestone Benefits

Spend ₹100,000

Bonus Points

Fees & Charges

Joining fee₹499

Annual fee₹499

Fee waiverSpend > ₹1,00,000

Eligibility

Min Income: ₹2.4 Lakhs
Min Credit Score: 700
Available for salaried individuals aged 21-70 and self-employed individuals aged 25-70.

Exclusions & Terms

Fuel

Wallet Load

Education Payments via 3rd party apps

Cash Advance

Balance Transfer

Frequently Asked Questions

3 data-backed answers from our card database

How does the auto top-up feature work?+

The card automatically recharges with ₹200 whenever your Metro Smart Card balance falls below ₹100, ensuring you never have to stand in queues.

What is the annual fee waiver condition?+

The annual renewal fee of ₹499 is waived if you spend ₹1,00,000 or more in the preceding year.

Does this card offer airport lounge access?+

No, the Delhi Metro SBI Card does not provide any complimentary domestic or international airport lounge access.

Ready to apply?

₹499 fee. Excellent rewards. Apply now securely.

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