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India’s legendary bank, the State Bank of India (SBI), has garnered market attention because of their diverse cards, like SBI BPCL Credit Card, Central SBI Credit Card, SBI ELITE Card, FBB SBI STYLEUP Card, etc. Aiming to meet the need for travel and adventure, they have recently launched the IRCTC SBI RuPay card in association with the Indian Railway Catering and Tourism Corporation. Aside from the usual benefits, the IRCTC SBI RuPay card has been specially curated for regular railway travelers.

Features & Benefits of IRCTC SBI RuPay 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 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.

Eligibility Criteria and Documents Required for IRCTC SBI RuPay Card

To make the IRCTC SBI Card (on RuPay platform) easily accessible, SBI has set easy-to-meet eligibility criteria along with minimum documentation requirements.


Below are the basic eligibility criteria you must fulfill to apply for this credit card and the documents you must furnish at the time of application.

A. Eligibility Criteria

  • Age: You must be between 21 and 70 years old.

  • Employment Status: You must be a salaried employee or self-employed.

  • Credit Score: To apply for this credit card, you must have a good credit score.

B. Documents Required

  • Identity Proof: You must provide a copy of any of the following documents:

  1. Aadhaar Card

  2. Voter ID

  3. PAN Card

  4. Passport

  5. Driving License

  6. Ration Card

  • Address Proof: You must submit a copy of any of these documents:

  1. Aadhaar Card

  2. Passport

  3. Utility bills

  4. Voter ID

  5. Ration Card

  • Income Proof: You must also provide proof of income. These documents can include:

  1. Salary slips of the previous 6 months

  2. Copy of your recent ITR

  3. Bank statement of the last 3 months

How to Apply for IRCTC SBI RuPay Card

If you meet the basic eligibility criteria, you can easily apply for this SBI credit card in the following manner.

  • Step 1: Head to the Bajaj Markets website.

  • Step 2: Provide basic information about yourself.

  • Step 3: Choose the IRCTC SBI RuPay card from the list of credit card options.

  • Step 4: Fill out the application form and provide your personal and professional details.

  • Step 5: Submit the application form to complete the process.

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: You can call the IRCTC SBI RuPay card customer care number by dialing 1860 180 1290 or 1800 180 1290 (toll-free).

  • SMS: Alternatively, you can type your query and send an SMS to 5676791 from your registered phone number.

  • Email: You can also send an email to customercare@sbicard.com and a customer care representative will respond to your query.

Fees & Charges on the IRCTC SBI RuPay Card



Fee Payable while Joining

₹500 + applicable taxes

Fee Payable while Renewing


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

FAQs on 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.

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.

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

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

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.

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

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

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