Benefits and Features of IRCTC RuPay SBI Credit Card

Welcome Gift

  • IRCTC RuPay SBI Card comes with Zero Joining Fee till 31st March 2021.
  • With this card, you earn 350 Bonus Reward Points when you activate your card. To avail of this benefit, you will have to make a single transaction of  500 or above within 45 days of the issuance of the card. The transaction must not include fuel and cash spend. Bonus Reward Points will be directly credited to the IRCTC SBI Card (on RuPay platform) account of the user within 45 days of the eligible transaction.
  • Earn  100 cashback on the first ATM cash withdrawal in 30 days of receiving the credit card.
  • 1 Reward Point =  1

Value Back Benefits

Buy AC1, AC2, AC3, and AC CC railway tickets through irctc.co.in and IRCTC Mobile App (for Android only) and get up to 10% Value Back as Reward Points.

Terms of Use

For the period of 1st October 2020 to 31st March 2021, accumulated Reward Points of the cardholder will not be transferred to their IRCTC Loyalty account, but can be redeemed on Shop & Smile Catalogue. The cardholder can redeem the Reward Points in their IRCTC Loyalty account for booking train tickets.

Reward Benefits

Get 1 Reward point on spending every  125 on non-fuel retail purchases, including the purchase of railway ticket via www.irctc.co.in and IRCTC Mobile App (for Android only).

Additional Info: Are you looking for Instant SBI Personal Loan

SBI IRCTC RuPay Credit Card Fees

Joining Fees: Rs 500 +Taxes

Annual Fees: Rs 300 +Taxes

Eligibility for SBI IRCTC RuPay Credit Card

  • Should be an Indian resident
  • Minimum age of 18 years
  • Must be salaried or self employed
  • Possess last 3 months bank statements

Additional Info: Also Check SBI Credit Card Statement

Documents required for IRCTC RuPay SBI Credit Card

  • KYC fulfillment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
  • Address proof: Utility Bills/ Ration Card/ Passport
  • ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
  • Income Proof: Last 3 Salary slips / bank statements
  • Photographs: Minimum 2 Required 

Additional Info: Check the Best Travel Credit Card in India & apply.

IRCTC RuPay SBI Credit Card Fees and Charges

  • Annual Fee: 500 p.a. (waived off till 31st March 2021)
  • Renewal Fee: 300 p.a.
  • Add-on Fee: Nil
  • Interest-free credit period: For 20-50 days (only on retail purchases and if the outstanding balance of the previous month is paid in full.
  • Finance charges: Up to 25 or 3.35% p.m. (40.2% p.a.), whichever is higher, from the transaction date.
  • Minimum amount due: 5% of total outstanding (minimum  200 + all applicable taxes + EMI, in case of EMI based product + OVL amount (if any).
  • Cash advance limit:5% of transaction amount (minimum  500) at SBI or other ATMs and as well as at international ATMs.
  • Other Charges:

Additional Info: Also Check SBI Balance Check Number

How to Apply for SBI IRCTC Rupay Credit Card?

  • Start Online Credit Card application process here.
  • Fill form & share required details correctly.
  • Verify mobile number using OTP received.
  • Choose SBI SimplyCLICK Credit Card from list.
  • Click on eConnectwithBank
  • Your application for SBI SimplyCLICK Credit Card on mymoneymantra.com is completed.

Additional Info: Know about the Types of SBI Debit Card.

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IRCTC RuPay SBI Credit Card FAQs

✅ How to get maximum benefits of Travel Offers from IRCTC

  • Save 1% transaction charge on railway ticket bookings through www.irctc.co.in.
  • Avail of exclusive travel privileges by logging in to irctc.co.in.  
  • Book your airline tickets through IRCTC at competitive prices.
  • Wide range of tailor-made packages available, ranging from wildlife, adventure, pilgrimage, and leisure tours to different places in India.
  • Accommodation at more than 5,000 hotels, covering 350 cities of India.

Railway Lounge Program

4 complimentary accesses in a year to participating railway lounges in India (maximum 1 access per quarter). Use your IRCTC RuPay SBI Card at the respective lounges to avail of the offer. Offer is available only for primary cardholders.

Fuel Surcharge Waiver

No need to pay 1% fuel surcharge in all petrol pumps in India, by making transactions between  500 and  3,000 (exclusive of GST & other charges). The maximum surcharge waiver available is up to  100 per credit card account per statement cycle.

Transaction Charges Waiver

Save 1% transaction charge (exclusive of GST & all other charges) on booking railway tickets on irctc.co.in, using your IRCTC RuPay SBI Card. If you cancel any railway ticket booked online on irctc.co.in using IRCTC RuPay SBI Card, 1% charge of the total amount of refund will be debited to your card.

Other Benefits

  • Offers from RuPay: IRCTC RuPay SBI Card provides amazing offers on travel, dining, golf, and other entertainment options from RuPay.
  • Contactless Advantage: The card makes your daily purchases an easy and quick task. Simply wave your credit card at a secure reader to complete your transaction. No need to hand over your credit card or bring cash for everyday small ticket purchases. Just wave your card and go. Even if you waive the card multiple times at the reader, its unique security feature of RuPay Contactless ensures that only one transaction goes through and makes it more secure.
  • Balance Transfer on EMI: Now easily transfer the outstanding balance of other bank's credit card to IRCTC RuPay SBI Card, and avail a lower interest rate and pay back in EMIs.
  • Cash on the Go: You can withdraw cash from over 2 million global ATMs present in 190 countries, including more than 43,000 SBI ATMs in India.
  • Global Acceptance: The card can be used in over 44 million Merchant Locations in 190 countries globally & 3.7 million terminals in India.
  • Add-on Cards for Your Family: You can apply for add-on cards for your spouse, parents, children, and siblings (above the age of 18 years).
  • Easy Bill Pay Facility: Using SBI's Easy Bill Pay facility, you can ensure that your electricity, telephone, insurance, and other utility bills are paid on time.
  • Flexipay: With Flexipay, you can convert your transactions into easy EMIs. Just make a transaction for  2,500 or more & log on to sbicard.com within 30 days of the purchase.
  • Easy Money Facility: With Easy Money, you can avail money whenever you need and get the cheque/draft delivered at your doorstep.
  • Railway Ticket Booking: Use your IRCTC RuPay SBI Card to book railway tickets online & get them delivered at your doorstep.

✅ Other Charges

Cash payment fee 199
Cheque pickup fee 100
Cheque fee 100
Payment dishonor fee2% of amount (minimum  450)
Statement retrieval fee 100 per statement (which is older than 2 months)
Late payment charges
  • NIL for amount due from  0 -  500
  •  400 for amount due more than  500 and up to  1,000
  •  750 for amount due more than  1,000 and up to  10,000
  •  950 for amount due more than  10,000
Over limit charge2.5% of over limit (or minimum   500)
Card replacement 100
Emergency card replacement (when abroad) feeActual cost (minimum $175)
Conversion mark-up on foreign currency transaction3.5%
  • Railway tickets via counters:  30 + 2.5% of transaction amount
  • Railway tickets via irctc.co.in: 1.8% of transaction charges waiver (excluding applicable taxes & other service charges)
  • Petrol & other products/services sold at petrol pumps: Waiver of 1% fuel surcharge for each transaction between  500 to  3,000 (excluding applicable taxes & all other charges). Maximum waiver of up to  100 per statement cycle and per credit card account.
  • Payment of customs duty: 2.25% of transaction amount (minimum  75)

✅ Why Apply for IRCTC RuPay SBI Card?


If you are a frequent traveller who prefers travelling by trains, IRCTC SBI Card (on RuPay platform) or IRCTC RuPay SBI Card comes with some attractive deals and offers for you.

With 350 activation bonus reward points, 10% value back on train ticket purchase through irctc.co.in and IRCTC Mobile App, Railway Lounge Program, 1% fuel surcharge waiver and other offers, you can get the maximum benefit out of this card.

On top of that, this credit card comes with no joining fee till 31st March 2021.

✅ How to apply for IRCTC RuPay SBI Card?


The fastest way to apply for IRCTC RuPay SBI Card is through MyMoneyMantra. You can also apply online at bank's website sbicard.com, through their Chatbot ELA, by calling SBI Card helpline at 39 02 02 02 (prefix the STD Code of your city), or by visiting the nearest SBI branch.

✅ Can I apply for IRCTC RuPay SBI Card even if I do not have any other credit card?


Yes, you can apply for IRCTC RuPay SBI Card even if you don't own any other credit card.

✅ I already have an SBI Credit Card, but want to get IRCTC RuPay SBI Card now. How can I apply for an additional SBI Credit Card or change my current SBI Card?


If you want to upgrade your current SBI Credit Card, you can log on to your SBI Card Online account. On being eligible for an upgrade offer, you will be able to see a 'Card upgrade' link in the left side of the page. You can also call the SBI Credit Card helpline to check if you are eligible for any pre-approved offer for card upgrade. If you want to apply for an additional SBI Credit Card, you can select 'Yes' for 'Do you have an SBI Card?' question on the online application for the SBI Card you wish to apply for and after that fill in the required details. On submitting the form, SBI executives will connect with you for further process.

✅ How can I apply for Add-on Card?


You can login to SBI's website with the help of your User ID and Password and apply for Add-on Card on your SBI Card Account. Another option is to login to Chatbot ILA using your user ID and password for online account and apply for an Add on card. Alternatively, you can also download the Add-on Card form provided under form central option on bank's website and complete the enclosed form and send the original form at the address: SBI Cards and Payment Services Pvt. Ltd, P.O Box No-16, G.P.O, New Delhi-110001. You may also call SBI on their helpline number 1860 180 1290 or 39 02 02 (prefix local STD code).

✅ Can I apply for Club Vistara (CV) Membership?


Only primary cardholders of SBI Card PRIME and SBI Card ELITE are eligible for CV Membership.

✅ Is there any joining fee for IRCTC RuPay SBI Card?


Yes. The Joining Fee or Annual Fee for the card is  500. However, it is waived off till 31st March 2021.