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Embark on a journey of rewards and rail adventures with the IRCTC SBI RuPay Card, a collaboration between India's iconic State Bank of India and the Indian Railway Catering and Tourism Corporation. This card isn't just a ticket to destinations; it's a portal to a world of benefits. Earn rewards, enjoy travel offers, and make your rail experiences even more memorable with this uniquely crafted credit card.

Features & Benefits

Here are a few perks of applying for the IRCTC SBI RuPay Credit Card:

Welcome Gift

With this IRCTC SBI RuPay Card, you can earn 350 activation bonus Reward Points while making your first purchase of ₹500 or more (fuel and cash spends aren’t included).

ValueBack Benefits

Get up to 10% Value Back as Reward Points by booking tickets in AC1, AC2, AC3, and AC CC classes through IRCTC’s official website or the IRCTC Mobile App (Android only).

Reward Benefits

Earn 1 Reward Point every time you spend ₹125 on non-fuel purchases. This includes railway ticket purchases on IRCTC’s official website or through IRCTC Mobile App (Android only).

Exclusive IRCTC Travel Offers

By booking railway tickets on the IRCTC website using this SBI credit card, you can save 1% on transaction charges.


Railway Lounge Program

By using this credit card at participating lounges in the country, you can enjoy four complimentary railway lounge access in a year (up to 1 per quarter).


Surcharge Waivers

Get a 1% fuel surcharge waiver across all petrol stations in the country on transactions between ₹500 and ₹3,000, exclusive of GST and other charges.


RuPay Offers

You can enjoy offers on golf, dining, travel, and other entertainment options from RuPay.


Add-on Cards

To extend credit card privileges to your family, you can apply for add-on credit cards for your family members above the age of 18.


The Flexipay facility allows you to convert transactions of ₹2,500 or more into easy EMIs within 30 days of purchase.


Railway Ticket Booking Made Easy

You can use your IRCTC SBI RuPay card to book railway tickets online on the IRCTC website and get them delivered to your doorstep.


How to Apply for IRCTC SBI RuPay Card

To apply for this credit card, adhere to the following steps:

  1. Click on the 'Apply Now' button

  2. Provide essential information, including your mobile number, date of birth, and profession

  3. Proceed by clicking on 'Next’

  4. Submit the OTP received via SMS

  5. Enter details such as your PAN Card number, personal email address, residence pin code, and monthly income

  6. Select 'IRCTC SBI RuPay Card' from the displayed credit card options

  7. Fulfill the verification stage by entering your employment and personal details

IRCTC SBI RuPay Card Customer Care Details

If you have any queries or complaints, you can talk to the SBI customer care representatives. You can either call the customer care helpline number, send an email, or send an SMS.

  • Phone: 1860-180-1290 or 1800-180-1290 1860-500-1290

  • SMS: send an SMS to 5676791 from your registered phone number

  • Email: customercare@sbicard.com 

Fees & Charges on the IRCTC SBI RuPay Card



Fee Payable while Joining

₹500 + applicable taxes

Fee Payable while Renewing

₹300+ GST


Add-on Fee (per annum)


Finance Charges

3.50% per month or 42% per annum

Cash Advance Limit

Up to 80% of credit limit, capped at ₹12,000 per day

Cash Advance Charges

Up to 2.5% per month or ₹500, whichever is higher

Cash Advance Fee while Withdrawing from SBI or Other Domestic ATMs

2.5% of the amount, starting at ₹500

Charges for Over Limit Transactions

2.5% of amount, starting at ₹500

Late Payment Fee

  • Nil on amount due between ₹0 to ₹500

  • From ₹500 up to ₹1,000 - ₹400

  • From ₹1,000 up to ₹10,000 - ₹750

  • From ₹10,000 up to ₹25,000 - ₹950

  • From ₹25,000 up to ₹50,000 - ₹1,100

  • More than ₹50,000 - ₹1,300

Fee for Replacing Card


Minimum Monthly Amount Due

5% of total outstanding amount or ₹200 (plus taxes), whichever is higher

Frequently Asked Questions

What are the documents acceptable for an IRCTC SBI RuPay card?

Any government-authorized proof of income and residence are acceptable for availing the IRCTC RuPay credit card. Additionally, you will require authorized bank statements to demonstrate your income.

What is the IRCTC SBI RuPay card credit limit?

The credit limit on each IRCTC RuPay credit card can be different, but you will be issued a credit limit depending on your credit profile.

What is the IRCTC SBI RuPay card customer care number?

The customer care number for the IRCTC SBI RuPay card is 1860 180 1290.

Who should apply for the IRCTC SBI RuPay card?

The IRCTC SBI RuPay card is best suited for individuals who frequently travel on the Indian Railways.

Is the IRCTC SBI RuPay card accepted globally?

Yes, the IRCTC SBI RuPay card is accepted globally and can be used at any POS/ATM that accepts Diners Plus, Pulse, and Discover cards.

What offers does the RuPay payment network provide on the credit card?

The RuPay payment network includes offers on golf, dining, travel, and other entertainment areas.

Does the IRCTC SBI RuPay card offer add-on credit cards?

For your immediate family members, you can get add-on credit cards with your IRCTC RuPay credit card.

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