RuPay, Visa 📡 Contactless NFC

IRCTC SBI Card (on RuPay Platform)

Joining Fee₹500

Annual Fee₹300

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Train passengers regularly booking AC tickets on IRCTC seeking 10% return on train fares, 1% transaction surcharge waiver, and RuPay UPI support.

Who Should Avoid

Air travelers seeking airport lounge access or users who rarely travel via Indian Railways.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

350 bonus Reward Points (worth ₹350 in train tickets) upon spending ₹500 or more within 45 days of card setup

Up to 10% Valueback on IRCTC AC Bookings

Earn up to 10% valueback as Reward Points on AC1, AC2, AC3, and Executive Chair Car bookings via irctc.co.in and the IRCTC Mobile App.

350 Activation Bonus Points

350 activation bonus Reward Points on spending ₹500 or more (excluding fuel) within the first 45 days.

1% Transaction Surcharge Waiver

1% transaction charge waiver on all train ticket bookings made on the IRCTC ticketing portal.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹1

Standard Base Earning

1 Reward Point per ₹125 spent on non-fuel retail purchases (0.80% return; 1 RP = ₹1.00 for IRCTC tickets)

Accelerated / Partner Rate

Up to 10% valueback (as Reward Points) on AC1, AC2, AC3, CC, and EC train ticket bookings on irctc.co.in / IRCTC app; 1% transaction surcharge waiver on IRCTC bookings; 1% fuel surcharge waiver

Points Validity:3 Years

Redemption Fee: ₹0 (Free)

Redemption Modes: Train Ticket Bookings via irctc.co.in (1 RP = ₹1.00), SBI Rewards Catalog Vouchers

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

No annual fee waiver threshold exists; renewal fee of ₹300 + GST applies annually

UPI Payments Support✓ Supported (RuPay)

1 Reward Point per ₹125 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 across all petrol pumps (Capped at ₹100/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 70 Years

Min. Monthly Income₹25,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IRCTC SBI Card (on RuPay Platform)

Annual Fee: ₹300/yr (Waivable)

Apply Online Now →

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Frequently Asked Questions

No, IRCTC SBI Card (on RuPay Platform) has a joining fee of ₹500 and an annual renewal fee of ₹300 (plus applicable taxes).

IRCTC SBI Card (on RuPay Platform) ₹300/yr