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SBI IRCTC Rupay Credit Card from SBI Card
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SBI Card

SBI IRCTC Rupay Credit Card

Best card for IRCTC Bookings in India

Fees & 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

Benefits & rewards

  • 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

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

Ready to apply for the SBI IRCTC Rupay Credit Card?

You will be taken to SBI Card to complete the application. Approval, credit limit and final terms are decided by the bank.

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Fees, benefits and eligibility shown here are collected from the issuing bank and can change without notice. Always confirm the current terms on SBI Card's own application page before you apply. Dealspouch is not a lender and does not decide approvals.