What are the main benefits of the IRCTC SBI RuPay Credit Card?

The IRCTC SBI RuPay Credit Card primarily offers significant value back on railway ticket bookings, complimentary railway lounge access, and transaction charge waivers for frequent train travelers.

How many complimentary railway lounge accesses does the IRCTC SBI RuPay Credit Card offer?

The IRCTC SBI RuPay Credit Card provides 4 complimentary railway lounge accesses per year in India, with a maximum of one access per quarter for the primary cardholder.

Is there a joining fee for the IRCTC SBI RuPay Credit Card?

Yes, the IRCTC SBI RuPay Credit Card has a joining fee of Rs. 500 plus applicable taxes/GST.

Can the renewal fee for the IRCTC SBI RuPay Credit Card be waived?

No, the renewal fee of Rs. 500 plus taxes for the IRCTC SBI RuPay Credit Card cannot be waived, as explicitly stated in the card's terms.

How do I earn reward points with the IRCTC SBI RuPay Credit Card?

You can earn up to 10% value back as Reward Points on railway ticket bookings via IRCTC, and 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases.

What is the foreign currency markup on the IRCTC SBI RuPay Credit Card?

The IRCTC SBI RuPay Credit Card applies a foreign currency markup of 3.5% on all international transactions.

Are there any charges for redeeming reward points from my IRCTC SBI RuPay Credit Card?

Yes, a Rewards Redemption Fee of Rs. 99 is applicable each time you redeem reward points from your IRCTC SBI RuPay Credit Card.

Does the IRCTC SBI RuPay Credit Card offer fuel surcharge waivers?

Yes, the IRCTC SBI RuPay Credit Card provides a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, capped at Rs. 100 per statement cycle.

Can I link my IRCTC SBI RuPay Credit Card with UPI applications?

Yes, the IRCTC SBI RuPay Credit Card can be easily linked to popular UPI applications like Google Pay and PhonePe for convenient transactions.

State Bank of India

IRCTC SBI RuPay Credit Card

Q: What welcome benefits does the IRCTC SBI RuPay Credit Card provide?

With the IRCTC SBI RuPay Credit Card, you get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.

TravelShoppingFuel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.

Rewards Rate

Up to 10% value back as Reward Points on railway tickets; 1 RP for every Rs. 125 on other retail spends.

Reward Type

Reward Points

Reward Redemption

Reward Points are transferred to IRCTC Loyalty Account and can be redeemed on IRCTC Website/App.

Domestic Lounge Access

Enjoy 4 complimentary railway lounge accesses annually in India, max 1 per quarter for primary cardholders.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Exclusive travel privileges, airline tickets, tailor-made packages, and accommodation bookings via IRCTC.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

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