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IRCTC RuPay SBI Card

Enjoy exclusive benefits such as 10% value back on railway bookings via IRCTC and more with this co-branded travel credit card.

Joining Fee ₹500

Offers Up to 10% Value Back

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Last updated on: Jul 27, 2026

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What is IRCTC SBI RuPay Credit Card

The IRCTC SBI RuPay Credit Card is a co-branded credit card offered in association with IRCTC and SBI Card, designed to provide benefits on railway ticket bookings and everyday spending. It is particularly suited for frequent railway travellers who regularly book train tickets through IRCTC and wish to earn rewards on eligible transactions.

As a RuPay-powered card, it can be used across a wide network of merchants for both online and offline purchases, subject to the assigned credit limit. The card also combines travel-related privileges with reward benefits, making it a suitable option for individuals looking for a travel credit card that offers value on rail travel and routine expenses.

Key Highlights of the IRCTC RuPay SBI Card

Here’s why this travel credit card is an ideal pick:

Joining Fee	Only ₹500 + GST
Annual Fee	Only ₹500 + GST
Suitable for	Savings on train ticket booking via IRCTC
Key Feature	Complimentary access to railway lounges 4 times a year
Joining Bonus	350 bonus reward points on a single transaction of ₹500 or more*

IRCTC RuPay SBI Card Benefits

Explore the key benefits of the IRCTC RuPay SBI Card, including reward points, railway lounge access, fuel surcharge waivers, travel privileges, and payment flexibility:

Benefit Category	Details
Welcome Benefits	Get 350 bonus reward points on making a single transaction of ₹500 or more within 45 days of card issuance.
Travel Benefits	Get up to 10% value back as reward points on eligible AC1, AC2, AC3, Chair Car, and Executive Chair Car ticket bookings through IRCTC. Access travel packages and affordable air ticket booking options through IRCTC.
Fuel Surcharge Waiver	Enjoy a 1% fuel surcharge waiver of up to ₹100 per month on fuel transactions between ₹500 and ₹3,000 across all petrol pumps.
Airport and Railway Lounge Benefits	Receive complimentary access to partnered railway lounges up to 4 times per year. You can also explore other airport lounge access credit cards if you frequently travel by air.
Value Back Benefits	Earn 1 reward point for every ₹125 spent on eligible purchases, including railway ticket bookings made through IRCTC. Save 1% transaction charges on railway ticket bookings made through the IRCTC website.
Contactless Payments	Make quick and secure payments of up to ₹5,000 by simply tapping your card at contactless-enabled terminals. RuPay Contactless technology ensures secure transaction processing.
Hotel Accommodations	Access travel and leisure packages through IRCTC, which may include accommodation options as part of selected travel itineraries.
UPI Payment Facility	Link your card to supported UPI apps such as BHIM, PhonePe, MobiKwik, Google Pay, and others for convenient digital payments.
EMI & Payment Flexibility	Convert eligible transactions of ₹2,500 or more into EMIs through Flexipay within 30 days of purchase. You can also transfer outstanding balances from other credit cards through the Balance Transfer on EMI facility.
Utility Bill Payments	Set up auto-pay instructions and recurring e-mandates for timely utility bill payments.
Family Add-on Cards	Get complimentary add-on cards for eligible family members, including your spouse, parents, siblings, and children aged 18 years and above.

IRCTC RuPay SBI Card’s Rewards Program

The value of reward points, the redemption process, and other details may vary across SBI Credit Cards. This is how the process works for the IRCTC RuPay SBI Credit Card:

A. Reward Points

The IRCTC RuPay SBI Card offers a number of benefits on railway tickets and other travel bookings.

For each ₹125 you spend on any expense, including dining, shopping, movies, and travel (excluding fuel), you earn 1 reward point.

Here is an example to understand how this works:

Purchase (Monthly)	Amount (₹)	Reward Points	Value in ₹
Online Shopping	3,000	24	6
Hotel Bookings	4,000	32	8
Fuel Refill	2,500	-	25

Disclaimer: The above example is for illustration purposes only.

You also get up to 10% value back as reward points on buying AC1, AC2, AC3, Chair Car, and Executive Chair Car tickets through the IRCTC mobile app or website.

Here is an example illustrating this:

Purchase (Monthly)	Amount (₹)	Reward Points	Value in ₹
IRCTC AC1 Tickets	2,000	200	200
IRCTC Chair Car Tickets	1,000	100	100
1% Transaction Charges on IRCTC	-	-	30

Disclaimer: The above example is for illustration purposes only.

B. Redemption Process

Access your credit card account online or use the SBI Card mobile app on your phone to redeem your reward points. You can shop for merchandise, gift cards, movie tickets, flight tickets, and more. A rewards redemption fee of ₹99 is applicable as per specified terms and conditions.

In terms of IRCTC-related purchases, your points will be added to your IRCTC Loyalty account. You can redeem them on the app or website of IRCTC by linking your IRCTC SBI Card loyalty number with your IRCTC login ID.

In this case, 1 Reward Point = ₹1

C. Expiration

All the reward points earned on your transactions will expire 24 months after the rewards have been earned. Your IRCTC Loyalty points will expire 3 years from the date of registration of your membership.

Hence, track reward accrual dates and plan redemption accordingly.

D: Example of Savings

Here is a look at what your annual expenses and savings will look like:

Category	Details	Reward Points	Value (₹)
Online Shopping and Hotel Bookings	Normal Category Spends Assuming spends 80,000p.a./ 6,666 p.m.	Reward Points = 640 (80,000/125)	160
IRCTC AC I Tickets	10% Value Back Spends Assuming spends 25,000 p.a./ 2,083 p.m.	Reward Points = 2,500 (10% x 25,000)	2,500
IRCTC Chair Car Tickets	10% Value Back Spends Assuming spends 30,000 p.a./ 2,500 p.m.	Reward Points = 3,000 (10% x 30,000)	3,000
Non-AC Tickets	10% Value Back Spends Assuming spends 4,000 p.a./ 333.33 p.m.	Reward Points = 400 (10% x 4,000)	400
Fuel	50,000 p.a./4166.66 p.m.	-	1,200
-	Savings on transaction charges	-	590
Total Annual Savings	-	640 SBI Card reward points + 5540 IRCTC Loyalty points	6,180

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

Now, you have these options:

1. Redeem 640 SBI Card points as ₹160 on the Shop and Smile rewards portal or use them to pay off your credit card bill

2. Get a discount of ₹5,540 when you book tickets on the IRCTC website or mobile app

Fees and Charges Associated with the IRCTC RuPay SBI Card

Here are all the charges you can expect to incur while using the IRCTC RuPay SBI Card:

Fee Type	General Range
Joining Fee	₹500
Annual Fee	₹500
Rewards Redemption Fee	₹99
Interest Charges	Can go up to a maximum of 42% per year, which is 3.50% monthly
Minimum Amount Due	5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	Can go up to ₹1,300 based on the overdue balance
Foreign Transaction Fee	3.50% of the transaction amount
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility and Application Process

Check the IRCTC RuPay SBI Card eligibility terms here, and keep all the required documents ready for a smooth application process. To apply, you need to be:

21 and older if you are salaried
40 and above if you are a retired pensioner
25 and above if you are self-employed
Below the age of 70 years
Creditworthy with a good credit score
A stable earner with a regular income

Here is the general list of documents you will need to submit:

Identity Proof:
1. PAN card
2. Colour photographs
3. Passport
4. Aadhaar card
Address Proof:
1. Utility bill (electricity, water, phone)
2. Ration card
Income Proof:
1. Salaried: Latest salary slips (past 2-3 months), Form 16
2. Self-employed: Income Tax Returns (ITR), bank statements showing income

Apply Online

Save time by comparing and applying for credit cards on Bajaj Markets. To know how to apply for this card, read the steps given below:

Click on ‘Check Eligibility’ and fill in the required details, including your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your phone number
Check the pre-filled details like your PAN number, email address, residential PIN code, and income information
Apply for the card that suits your needs from the eligible options
Click on ‘Submit’ to complete your application

Customer Care

If you have any questions, reach out to SBI Card’s customer care team via phone or email:

Call 1860 500 1290, 1860 180 1290, 39 02 02 02 (Prefix local STD code) or 1800 180 1290 (toll-free)
Email customercare@sbicard.com

Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

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Transaction Amount

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Total Payable Amount

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IRCTC SBI RuPay Card vs Others

You can compare this card with other cards from the same issuer to make an informed decision.

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
IRCTC SBI RuPay Card	✅	❌	✅	❌
SBI Card ELITE	❌	✅	✅	❌
SimplyCLICK SBI Card	❌	❌	✅	✅
SimplySAVE SBI Card	✅	✅	✅	✅
SBI Card PRIME	❌	✅	✅	✅
Lifestyle Home Centre SBI Card	✅	❌	✅	✅
BPCL SBI Card OCTANE	✅	✅	✅	✅
BPCL SBI Card	✅	❌	✅	❌
SBI Card PULSE	❌	✅	✅	✅
Max SBI Card SELECT	✅	❌	✅	✅

Disclaimer: The benefits mentioned may change as per the policies of SBI Card. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers processing time amongst other conditions.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

Q: Who can access the railway lounge using the IRCTC RuPay SBI Card?

Ans: Free railway lounge access is available only for primary cardholders, at participating lounges. You will need to present your valid IRCTC RuPay SBI Card at the lounge to enjoy the benefit.

Q: Is there a limit on transactions done via UPI on my IRCTC RuPay SBI Card?

Ans: Yes, the daily UPI transaction limit for RuPay credit cards is ₹5 Lakhs. However, the transaction limit may vary depending on the available credit limit on your card.

Q: Do I need to link my IRCTC RuPay SBI Card again in UPI if it was renewed or replaced?

Ans: Yes, if your IRCTC RuPay SBI Card has been renewed or replaced, it needs to be re-registered in the respective UPI app with the new credit card details.

Q: Will I earn any reward points for UPI spends done using my IRCTC RuPay SBI Card?

Ans: Yes, UPI payments done with your IRCTC RuPay SBI Card will earn reward points as per the existing product offerings.

Q: Is it possible to authenticate UPI transactions using my IRCTC RuPay SBI Card PIN?

Ans: No, there is a separate UPI PIN you will need to use to authenticate payments done using the IRCTC RuPay SBI Card PIN via the UPI app.

Q: Can I redeem my reward points once my IRCTC RuPay SBI Card is closed?

Ans: Yes, if you voluntarily close your IRCTC RuPay SBI Card, you can redeem the accumulated points within 30 days of closure. However, if your credit card account has been cancelled for any other reason, all the points accrued will be forfeited. These may be restored at the discretion of SBICPSL if your credit card is reinstated.

Q: What is the Points + Pay option on my IRCTC RuPay SBI Card?

Ans: While redeeming your reward points, you can use the Points + Pay option. This facility gives you the freedom to redeem partly using your accumulated points and partly with the credit balance on your card.