The SBI IRCTC RuPay Credit Card is one of the best travel credit cards for frequent railway passengers in India. Designed in partnership with IRCTC, this card offers attractive reward points on train ticket bookings, complimentary railway lounge access, UPI payment support through the RuPay network, and several travel-related benefits.
If you regularly book train tickets through the IRCTC platform, this card can help you save money while earning valuable reward points.
SBI IRCTC RuPay Credit Card Highlights
- Get 10% back as Reward Points on eligible IRCTC AC ticket bookings.
- Earn 1 Reward Point for every ₹125 spent on other retail purchases.
- Enjoy 4 complimentary railway lounge visits every year (1 per quarter).
- Supports UPI payments through the RuPay network.
- Receive a 350 Reward Points welcome bonus.
- Annual fee effectively reduced with renewal rewards.
- 1% IRCTC transaction charge waiver on e-ticket bookings.
- 1% fuel surcharge waiver across fuel stations.
Table of Contents
About SBI IRCTC RuPay Credit Card
The SBI IRCTC RuPay Credit Card is specially designed for people who travel by train frequently. Whether you travel for work or leisure, the card rewards you for booking AC train tickets through IRCTC while providing additional travel conveniences like railway lounge access and fuel surcharge waivers.
Being a RuPay Credit Card, it also allows users to make UPI payments, making everyday transactions more convenient while remaining eligible for exclusive RuPay promotional offers.
Key Benefits & Features
1. 10% Reward Points on IRCTC Bookings
Cardholders earn 10% back as Reward Points when booking:
- AC First Class (AC1)
- AC 2 Tier (AC2)
- AC 3 Tier (AC3)
- Chair Car
- Executive Chair Car
Bookings must be made through IRCTC to qualify for the reward benefits.
2. Reward Points on Everyday Spending
Apart from railway bookings, you earn:
- 1 Reward Point for every ₹125 spent on retail purchases.
- Approximate reward rate: 0.8%
This makes the card useful for regular shopping as well.
3. Complimentary Railway Lounge Access
Travel comfortably before your journey.
You receive:
- 4 complimentary railway lounge visits every year
- Limited to 1 visit every quarter
This benefit adds significant value for frequent train travellers.
4. Welcome Bonus
New cardholders receive:
- 350 Reward Points
- Available after making your first transaction of ₹500 or more
- Transaction must be completed within 45 days of card issuance.
5. Renewal Bonus
Every year after paying the renewal fee, SBI rewards customers with:
- 500 Reward Points
This helps offset the annual renewal fee, making the card more cost-effective.
6. IRCTC Transaction Charge Waiver
Save more while booking tickets.
Benefits include:
- 1% IRCTC transaction charge waiver
- Applicable on eligible online e-ticket bookings.
7. Fuel Surcharge Waiver
The card also offers savings on fuel expenses.
Benefits include:
- 1% fuel surcharge waiver
- Applicable on fuel transactions between ₹500 and ₹3,000
- Maximum waiver of ₹100 per month
8. RuPay UPI Benefits
One of the biggest advantages of this card is RuPay support.
Users can:
- Link the credit card to UPI apps.
- Pay directly through UPI.
- Enjoy exclusive RuPay merchant offers.
- Make QR code payments across India.
SBI IRCTC RuPay Credit Card Fees
| Charges | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Renewal Fee | ₹500 + GST |
| Welcome Reward | 350 Reward Points |
| Renewal Reward | 500 Reward Points |
The welcome and renewal rewards help reduce the effective annual cost of owning the card.
Eligibility Criteria
To apply for the SBI IRCTC RuPay Credit Card, applicants should meet the following conditions:
- Age: 21 to 65 years
- Employment: Salaried or Self-employed
- Minimum Monthly Income: ₹30,000
- Credit Score: Preferably 650 or above
- No delayed credit payments in the previous 12 months
- New-to-Credit applicants are eligible only if they are salaried.
Documents Required
Applicants should keep the following documents ready:
Identity Proof
- PAN Card
- Form 60 (where applicable)
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
- Recent Salary Slips
- Bank Statements
Photograph
- Latest passport-size photograph
Who Should Apply?
The SBI IRCTC RuPay Credit Card is ideal for:
- Frequent train travellers
- Daily commuters
- Government employees
- Business travellers using Indian Railways
- People who regularly book tickets through IRCTC
- Users looking for a RuPay UPI-enabled credit card
Pros
- Excellent rewards on AC train ticket bookings.
- Complimentary railway lounge access.
- Low annual fee.
- UPI-enabled RuPay card.
- Fuel surcharge waiver.
- Welcome and renewal reward points.
- IRCTC transaction fee waiver.
Cons
- Maximum benefits are limited to IRCTC bookings.
- Lounge access is limited to one visit per quarter.
- Retail reward rate is relatively low compared to premium cashback cards.
Final Verdict
The SBI IRCTC RuPay Credit Card is an excellent choice for anyone who frequently travels by train in India. With 10% reward points on eligible IRCTC AC bookings, complimentary railway lounge access, RuPay UPI support, welcome bonuses, and affordable annual fees, the card offers impressive value for railway passengers.
If your travel primarily involves Indian Railways and you regularly book tickets through IRCTC, this credit card can help you maximize savings while enjoying a more comfortable travel experience.