Highlights
- 10% back on AC IRCTC bookings
- 4 complimentary railway lounge visits/year
- UPI payments + RuPay offers built-in
About SBI IRCTC Rupay Credit Card
- Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
- 1 Reward Point per Rs 125 on other retail spends (~0.8% return rate)
- 4 complimentary railway lounge visits per year (1/quarter)
- Welcome Bonus: 350 Reward Points on first spend ≥ Rs 500 (within 45 days of card issuance)
- Renewal Bonus: 500 Reward Points on fee payment (offsets Rs 500 fee)
- 1% IRCTC transaction charge waiver on e-ticket bookings
- 1% fuel surcharge waiver on Rs 500-Rs 3,000 transactions (max Rs 100/month)
- RuPay Network: UPI enabled + eligible for RuPay/UPI offers
Fees & List of Charges
- Annual Fee: Rs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)
- Renewal Fee: Rs 500 + GST, from second year onwards
Eligibility Criteria
- Age: 21 to 65 years
- Employment: Both salaried and self-employed individuals
- Minimum Income: Rs 30,000 per month
- 650+ with no delayed payments in the past 12 months
- New-to-Credit: Allowed only for Salaried applicants
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
