Our Money Guide

IRCTC Rupay SBI Credit Card is a co-branded railway card from SBI Card, in partnership with IRCTC. You get 10.80% benefit on AC class rail tickets in the non-peak season, and 4.80% benefit in peak travel season.

You also get complimentary railway lounge access.

SBI IRCTC Rupay Card

Brief Summary

Our Rating
3.75 / 5

Our View

Best for those who travel by rail frequently. You get 10.80% benefit on AC class rail tickets in the non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep) , and 4.80% benefit in peak travel season (1st April – 14th July, and 16th Sep – 14th Jan), when you book your tickets on IRCTC. You also get complimentary railway lounge access – once a quarter.

Annual fee of the card is ₹300, from 2nd year onwards. In the 1st year only, the annual fee is ₹500, which is compensated partially by the welcome offer of ₹350.

on SBI Card website

IRCTC Rupay SBI card

Special Benefits

Upto 10.80% benefit on AC class rail tickets, at IRCTC

Other Benefits

Complimentary railway lounge access in India

Minimum Income

Not specified

Annual Fee

₹ 300

Annual Fee Offers

Welcome offer worth ₹350

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
Our Rating
       
APPLY NOW
IRCTC BoB Rupay Credit Card
Our Rating
       
APPLY NOW
Snapdeal Credit Card
Our Rating
       
APPLY NOW
Premier Credit Card
Our Rating
       
APPLY NOW
Prime Credit Card
Our Rating
       
APPLY NOW
Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

IRCTC Rupay SBI Card : Summary Table


10.80% benefit on AC class rail bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)


You get 10.80% benefit on AC class rail bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)
10% benefit
– You earn 10 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
– 1 reward point = ₹1. Reward points will be given in your IRCTC account, on your linked loyalty number.
0.80% benefit :
– You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 spent in this category
– 1 reward point = ₹1. Reward points will be transferred to customer’s IRCTC loyalty account on 3rd of every month.

Important terms and conditions on earning reward points-
▶︎ Reward points are given only on online rail bookings on IRCTC. Reward points are not given on ticket purchases at the Passenger Reservation System counters.
▶︎ Reward points are given only if-
✓ cardholder has activated the IRCTC SBI Card and has linked his/her loyalty number with his/her IRCTC account (11 digit loyalty number is mentioned on the IRCTC SBI Card below cardholder name).
✓ The railway tickets are booked online at www.irctc.co.in
▶︎ Reward points are only given to the primary cardholder, in case the primary cardholder books tickets of family members also. Primary cardholder needs to be one of the traveling passengers.
▶︎ Reward points shall be given only on base fare of the passenger’s ticket

Important terms and conditions on redeeming reward points-
– You can redeem reward points only for AC Class rail tickets, for yourself and for your loved ones.
– You can redeem reward points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.
– If you do not have enough reward points for redemption, you can buy additional reward points @ 1.50 per reward point.
– You will also need to enter your transaction password to complete the redemption.
– R

For more details, please click here.
4.80% benefit on AC class rail bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
You get 4.80% benefit on AC class rail bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)
4% benefit
– You earn 4 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
– 1 reward point = ₹1. Reward points will be given in your IRCTC account, on your linked loyalty number.
0.80% benefit :
– You also also earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 spent in this category
– 1 reward point = ₹1. Reward points will be transferred to customer’s IRCTC loyalty account on 3rd of every month.

Important terms and conditions, and redemption process : same as given in section above.
0.80% benefit on all other card spends – You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other spends (excluding fuel).
– 1 reward point = ₹1. Reward points will be transferred to customer’s IRCTC loyalty account on 3rd of every month.
Complimentary railway lounge access – 1 per quarterYou enjoy 4 complimentary railway lounge visits per year at participating lounges in India, with a maximum of 1 visit allowed per quarter.

For details, please click here.
1% transaction charges waiver – on railway ticket bookings on www.irctc.co.inYou save 1% transaction charges on railway ticket bookings on www.irctc.co.in
1% fuel surcharge waiver, upto ₹100 per monthYou get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹500 and ₹3000, and
– only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card statement cycle
₹300 annual fee (₹500 in 1st year only)Annual fee offers :
– Welcome offer : You get 350 reward points worth ₹350, when you do a single card transaction of ₹500 or more within 45 days of card issuance.

Pros and Cons of IRCTC Rupay SBI Card

Pros
  • Good benefit rate of upto 10.80% on AC railway tickets – 10.80% in non-peak season, and 4.80% in peak season.
  • You also get complimentary access to railway lounges – once per quarter.
Cons
  • Benefit rate on non-railway spends is low, hence you may need to look at other credit cards also, to earn good rewards on your other spends like shopping, fuel, bill payments etc.
  • There is no discount on non-AC rail tickets.

Features & Benefits of IRCTC Rupay SBI card

10.80% benefit on AC class rail ticket bookings on IRCTC – in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)

✔︎ 10% benefit
– You earn 10 reward points worth ₹10, on every ₹100 spent in this category
– This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep

✔︎ 0.80% benefit
– You also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets.

1 reward point = ₹1. Reward points will be transferred to the cardholder’s IRCTC loyalty account on 3rd of every month. You need to link loyalty number with your IRCTC account, else you will not receive reward points. 11 digit loyalty number is mentioned on the IRCTC SBI Card below cardholder name. 

Reward points are given only to the primary cardholder, even if the primary cardholder books tickets of family members also. Primary cardholder needs to be one of the traveling passengers.

Reward points are given only on online rail bookings on IRCTC. Reward points are not given on ticket purchases at the Passenger Reservation System counters.

1 reward point = ₹1, and can be redeemed for AC class rail tickets (base fare only) at IRCTC. You can redeem reward points only through your own IRCTC account. You can redeem reward points only against full fare of the ticket, part redemption of points and balance payment from your card is not allowed.

Reward points are valid for 3 years. For more details, please click here.

4.80% benefit on AC class rail ticket bookings on IRCTC – in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)

✔︎ 4% benefit
– You earn 4 reward points worth ₹4, on every ₹100 spent in this category
– This benefit is valid for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan

✔︎ 0.80% benefit :
– You also also earn 0.80 reward points worth ₹0.80 (80 paise), on every ₹100 you spend on railway tickets

1 reward point = ₹1, and can be redeemed for rail ticket bookings on IRCTC.

0.80% benefit on all other card spends

You earn 0.80 reward points worth ₹0.80 or 80 paise, on every ₹100 you spend on all other purchases (excluding fuel).

1 reward point = ₹1.

Complimentary railway lounge access – 1 per quarter

You enjoy 4 complimentary railway lounge visits per year, maximum of 1 visit allowed per quarter.

For details, please click here.

1% transaction charges waiver – on railway ticket bookings on www.irctc.co.in

You save 1% transaction charges on railway ticket bookings on www.irctc.co.in

Fuel surcharge waiver, upto ₹100 per month

SBI Card customer care

3 lifetime-free add-on cards

IRCTC Rupay SBI Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹500Welcome offers
– You get 350 reward points worth ₹350, when you do a card transaction of ₹500 or more within 45 days of card issuance.
Renewal fee from 2nd year onwards₹300

Late payment fee

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Applying & Tracking Application Status

Step-by-step guide

Online application process The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section. 

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application
Apply Now

on SBI Card website

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review