IRCTC SBI RuPay Credit Card

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The IRCTC RuPay SBI Credit Card is a special credit card created by SBI Card in partnership with IRCTC, perfect for people who frequently travel by train. It has an affordable joining fee of ₹500 and offers great rewards. With this card, you earn 1 Reward Point for every ₹125 spent on regular purchases and enjoy 10% value back on train ticket bookings made through the IRCTC website or app. As a welcome gift, you get 350 Reward Points when you spend ₹500 or more within the first 45 days, where each point equals ₹1.

The card also includes exclusive travel benefits like four free visits to railway lounges every year (one visit per quarter). Additionally, you can enjoy discounted transaction charges on IRCTC ticket bookings and access stays at over 5,000 hotels in 350 major cities across India. It even offers a 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000, making it a great choice for regular travelers.

Credit Card Detail
IRCTC SBI RuPay Credit Card
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You’ll get 350 Reward Points if you spend at least ₹500 within 45 days of getting the card.
Apply Now
Rewards Rate
You earn 1 Reward Point for every ₹125 you spend.
Reward Redemption
The reward points are added to your IRCTC loyalty account.
Movie & Dining
N/A
Travel
You can enjoy free access to railway lounges each year through the Railway Lounge Program and stay at over 5,000 hotels in 350+ cities across India.
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
The interest rate is 3.5% per month, which adds up to 42% per year.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
You will be charged either 2.5% of the amount or ₹500, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You get a 1% discount on fuel charges at any petrol pump in India for transactions between ₹500 and ₹3,000. The maximum discount you can get in a billing cycle is ₹100.
Card Details
  • Earn 1 Reward Point for every ₹125 spent on retail purchases, including train tickets booked through the IRCTC website or mobile app.
  • Get 350 bonus reward points if you spend ₹500 or more within 45 days of activating your card as a welcome gift.
  • Receive up to 10% value back in reward points when buying AC1, AC2, AC3, or AC Chair Car tickets through IRCTC.
  • Enjoy four free railway lounge visits each year.
  • Save 1% on transaction charges when booking railway tickets via IRCTC.
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Frequently Asked Questions

What is the markup fee for foreign currency on this card?

The markup fee for foreign currency transactions is 3.5%.

Can the renewal fee be waived?

No, the renewal fee cannot be waived for this card.

Are there any charges for withdrawing cash using this card?

Yes, cash withdrawal from ATMs using this card may incur additional charges.

Can I get a refund on foreign currency markup charges?

No, foreign currency markup charges are non-refundable.

Is there any grace period for paying the card bill?

Yes, there is a grace period for bill payments, typically 20 to 25 days after the statement date, depending on your payment cycle.

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