SBI IRCTC Rupay Credit Card

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SBI IRCTC RuPay Credit Card

The IRCTC RuPay Card is specially designed to let you save on your railway ticket bookings. Launched in collaboration with IRCTC, the Credit Card offers amazing discounts and reward points to make your travel worry-free. The IRCTC SBI Card brings you great offers on travel, golf, dining and other entertainment options from RuPay. 

Features & Benefits

  • Welcome gift

    Enjoy the privileges of your card without any joining fee till 31st March’2021. Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.

  • Value Back Benefits

    Buy tickets through for AC1, AC2, AC3 and AC CC and earn up to 10% value back as Reward points. (1 Reward Point = Rs. 1). Also earn 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at

  • Travel Offers from IRCTC

    Save 1% transaction charges on railway ticket bookings on Avail exclusive travel privileges via the official IRCTC website. Book your airline tickets with IRCTC at unbeatable prices.

  • Fuel Surcharge Waiver

    Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges.

  • Exclusive Railway Lounge Program

    Avail 4 complimentary railway lounge access in a quarter to participating lounges in India (max 1 per quarter). To avail the offer, please use your IRCTC SBI Card (on RuPay platform) at the respective lounges.

Eligibility Criteria & Documents Required

Eligibility Criteria
  • Salaried applicant should be between the age of 21-55 years of age.
  • Self Employed applicant should be between the age of 21-70 years of age
  • The individual should be a Resident of India
Documents Required
  • Latest 3 months’ salary slip/Form 16/IT return copy as proof of income
  • Residence proof
  • Identity proof

Why choose Finserv MARKETS

There are multiple reasons to choose Finserv MARKETS to apply for SBI Credit Cards:

Rewards & Discounts

Get some of the best rewards on SBI Credit Cards on Finserv MARKETS. Apply for Credit Cards online at Finserv MARKETS and get Credit Cards packed with rewards and offers from your favourite brands.

Joining Benefits

Enjoy assured joining benefits on multiple Credit Cards at Finserv MARKETS as soon as you join. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashbacks and much more! You can also avail Student Credit Card benefits if you are a student.

One Platform, Many Cards

At Finserv MARKETS, we have just the right amount of Credit Cards for you. Whether you want a Credit Card that gets you discounts on shopping or the one that saves on your fuel costs, we have it all!

Convert Purchases into EMIs

Purchases through any of the SBI Credit Cards available at Finserv MARKETS can be converted into EMIs easily. Apply for an SBI credit card online today.

Stringent Security Measures

With cyber-crime a reality, your Credit Card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now!

How to Apply for the IRCTC SBI RuPay Card Online?

Just follow these 5 quick steps and you’re done!

  • Visit Finserv MARKETS

    Visit us online

  • Fill in your details

    Help us with a few of your details

  • Check out the list of multiple SBI Credit Cards

    Compare between the multiple options available

  • Make a Choice!

    Select the IRCTC SBI RuPay Card

  • Submit your form

    And you're all set!

What are the Reward Points on IRCTC RuPay Credit Card

Sr No

Reward Point



Welcome Gift

Rs. 500


Value Back Rewards

1 point per Rs. 125 spent


Enjoy complete fuel freedom

Rs. 300 - Rs. 500

What are the IRCTC RuPay Credit Card Fees and Charges

Annual Fee (one-time)

Rs. 500 + taxes (waived off till 31st Mar’21)

Renewal Fee (per annum)

Rs. 300 + taxes

Add-on Fee (per annum)


Finance charges

Up to Rs. 25 or 3.35% per month (whichever is higher)

Minimum amount due

5% of Total Outstanding

Cash Payment Fee

Rs. 199

Cheque Fee

Rs. 100

Payment Dishonour fee

2% of the payment amount, subject to a minimum of Rs. 500

Statement retrieval

Rs. 100 per statement, which is two or more months old

Late payment

NIL for Total Amount due from Rs.0-Rs.500;
Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
Rs. 950 for Total Amount due greater than Rs. 10,000

Card replacement

Rs. 100

Emergency card replacement, when abroad

Actual cost, with a minimum of $175

Foreign currency transaction

Conversion mark-up - 3.5%

Dynamic Currency Conversion

Mark-up Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000).

What is the customer care number for IRCTC RuPay Card

You can call the on SBI Card Customer Care team helpline number: 1860 180 1290 (toll free) or 39 02 02 02 (prefix local STD code). You can also send them an email at

How to pay bills using the IRCTC SBI RuPayCredit Card

You can pay your bills using the multiple channels like the mobile app, UPI, etc. Here’s how to pay the bills using the SBI card mobile app:

Step 1: Download the SBI card mobile app from Apple iOS, Android or Windows app store (hyperlinks for each of the app stores) and using your SBI card online user ID and password. If you haven’t registered yet, click Register Now.

Step 2: Click on ‘Pay now’ button at the bottom of the Account Summary page.

Step 3: Enter your registered Mobile No & Email ID if not updated already

Step 4: Select the amount you wish to pay

  • Total Outstanding Amount

  • Minimum Amount Due

  • Any Other Amount

Step 5: Select the payment option and the bank name from the drop down menu. Confirm the details and be securely re-directed to your bank’s payment interface to authorize the payment.

Your account will get debited online and you will receive an online transaction confirmation with a Transaction Reference Number which will also be sent on your registered mobile no. and e-mail id. Your payment will instantly reflect on your SBI Credit Card account.

Manage all your Credit Card queries here

  • ✔️What are the options for redeeming my credit card Reward Points?

    Reward points accumulated on your credit card account can be redeemed in the following ways :-

    • Redemption against Gift Voucher can be made through or SBI card mobile app.

    • Redemption against cash can be made by writing at or by calling at the SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code).

  • ✔️How can I redeem my credit card reward points through Website?

    Step 1- Login to
    Step 2- Click on “Rewards” and then click on “Redeem Rewards”.
    Step 3- Browse through the Rewards Catalogue and choose item of your choice
    Step 4- Click on “Redeem now” and confirm.

  • ✔️Within what time will I get the items redeemed against the rewards points?

    E Vouchers: Delivered in 05 calendar days on best effort basis

    Gifts: Delivered in 15 calendar days on best effort basis

  • ✔️How do I become eligible for a Credit Limit Increase (CLI)?

    Cardholders can get their limit revised in the following ways:

    A. Pre-approved Credit Limit Offer (Zero document approval)

    • SBI Card regularly identifies select cardholders for a Pre-approved Credit Limit Increase offer basis internal risk policy
    • Eligible cardholders will receive an increased Limit offer through their registered Mobile Number via SMS, on Email, Monthly Statement and in Post Login Section
    • Eligible cardholders can avail this offer without any additional documentation requirement

    How can I get my Credit Limit increased for Pre-Approved offer?

    To get the Credit Limit increase on your card, follow the below mentioned steps:


    • Login to and click on Offers or Benefits tab on left hand side
    • Check for any Credit Limit Increase offer on your account & click on the ‘Submit’ button.

    Chatbot ILA:

    Login to Chatbot ILA, ask query for Credit Limit increase and follow the guided steps.


    • SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number

    B. Credit Limit Increase with Income documentation

    • In case you wish to increase limit beyond the eligible Limit offered by SBI Card, please call on SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code) and check with the customer care executive regarding your eligibility for a credit limit increase basis income documents
    • The following income documents are accepted.
    • Form 16
    • ITR VI
    • Last 3 months’ salary slip
    • Soft copies of the aforementioned documents can be submitted at
    • You can mail your relevant income documents to: Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Building 3, DLF Cyber City, Gurgaon – 122002
    • Post receipt and review of Income documents, the request for Credit limit increase will be fulfilled in accordance with the internal Risk Policy
  • ✔️In case of an upgrade from a lifetime free card or a flip to a same variant card, will the new card be chargeable?

    Yes, the new card will be chargeable in case of any upgrade or flip. Upgrade to a higher card variant would always be done at a charge, subject to requisite approvals. 

  • ✔️What are the documents acceptable for IRCTC RuPay Credit Card?

    S. No


    Accepted As identity proof

    Accepted as Residence proof


    Copy of Passport / Voter Card/ Driving License/ Aadhar Card




    Copy of PAN Card




    Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies.



  • ✔️What is the IRCTC RuPay Credit Card credit limit?

    Total Credit Limit: It is the maximum credit limit you can avail on your IRCTC RuPay Credit Card.

    Available Credit Limit: It is the credit amount available for purchases as on date.

    SMS AVAIL XXXX (XXXX = Last four digits of your SBI Card) from registered mobile number) to know more about your IRCTC RuPay Credit Card limit.

  • ✔️How do I check if I am eligible for Pre-approved Credit increase offer?

    Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for pre-approved credit increase offer.

    • Login to and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.

    • In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write at

    • Alternatively, you can call on the helpline number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.

  • ✔️What is Cash limit?

    • Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.

    • Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.