The essentials at a glance
- Annual fee
- Rs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)
- Best known for
- Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
- Issuer & network
- SBI Card · RuPay
- Eligibility snapshot
- Age: 21 to 65 years
Verify live fees, reward caps and eligibility with the issuer before applying.
What does the IRCTC SBI RuPay Credit Card offer?
IRCTC SBI RuPay Credit Card offers Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points).
- 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
What are the fees and charges?
The currently listed fee information is shown below. Fee waivers and taxes may depend on spending or issuer conditions.
Annual FeeRs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)
Renewal FeeRs 500 + GST, from second year onwards
Who may be eligible for this card?
Eligibility is determined by the issuer and approval is not guaranteed. These are the available eligibility indicators for this offer.
- Age21 to 65 years
- EmploymentBoth salaried and self-employed individuals
- Minimum IncomeRs 30,000 per month
- 650+ with no delayed payments in the past 12 months
- New-to-CreditAllowed only for Salaried applicants
Which documents may be required?
Document requirements can vary after the issuer checks your employment, address and application profile.
- ID ProofPAN Card/Form 60
- Address ProofAadhaar, Passport, or utility bills
- Income ProofBank statements or salary slips
- PhotographRecent passport-sized photo
What should you check before applying?
Confirm the live issuer terms, especially reward exclusions, monthly or quarterly caps, milestone spending and fee-waiver requirements.
- Please use Aadhaar linked mobile number to fill the application
This page summarizes available offer information for easier comparison. It is not financial advice or an approval guarantee. Product terms can change, so verify the final details shown by the issuer during application.
