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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

SBI IRCTC

IRCTC SBI Credit Card is a co-branded travel credit card offered by SBI Card in partnership with IRCTC. It is specially designed for railway travelers, offering value back on train ticket bookings along with lounge access and reward benefits.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (as per bank policy)
Age: 21 to 70 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Earn up to 10% value back on railway ticket bookings via IRCTC
1% transaction charge waiver on IRCTC ticket bookings
Welcome benefit: 350 bonus reward points on first transaction
Earn 1 Reward Point per ₹125 on other spends
4 complimentary railway lounge visits per year (1 per quarter)
1% fuel surcharge waiver on ₹500–₹3,000 transactions
Reward points can be redeemed on IRCTC website/app
Contactless payment enabled

Fees & Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST*
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Interest Rate: Up to ~3.5%–3.75% per month
Cash Advance Fee: 2.5% (min ₹500)
Fuel Surcharge Waiver: 1% (₹500–₹3,000 transactions)
Late Payment Charges: As per SBI Card policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / Voter ID / DL etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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It offers up to 10% value back on railway ticket bookings via IRCTC.

Yes, 1% transaction charge is waived on IRCTC bookings.

Yes, 4 complimentary railway lounge visits per year are provided.

Reward points can be redeemed on IRCTC website or mobile app.

Frequent train travelers who book tickets via IRCTC.

Terms & Conditions

Benefits applicable only on bookings via IRCTC platform
Reward points are subject to IRCTC loyalty program rules
Approval is subject to SBI Card credit policy
Fees and benefits may change as per guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee ₹500 + GST
Annual Fee ₹500 + GST*
Rewards Earn up to 10% value back on railway ticket bookings via IRCTC
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SBI CARD