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SBI IRCTC RuPay Credit Card

★ 3.9 / 5 ⓘ How we rate

10% back on AC train tickets booked on IRCTC

✅ Verified Oct 2026 from SBI Card's official page →

Joining: ₹500Annual: ₹300🎁 Up to 10% on IRCTC AC bookings
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🚆
10% backon AC & chair car bookings
🛋️
4 railway loungesevery year
📲
UPI readyRuPay card
👤
Perfect for

People who book AC train tickets often

Key benefits

  • Up to 10% value back on 1AC, 2AC, 3AC, CC and EC bookings on IRCTC
  • 1% transaction charge waiver on IRCTC bookings
  • 4 complimentary railway lounge visits a year
  • RuPay card works on UPI apps
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Great for regular train travellers
  • Low fee
  • Works on UPI

Good to know

  • Low rewards outside IRCTC
  • Only railway lounges
  • No airport lounges

Quick facts

Fee waiverLow fee for frequent train travellers
Lounge access4 railway lounges/year
Min. income₹20,000/month
Age21 – 60 years
Credit score700+
NetworkRuPay
Forex markup3.5%
Joining fee₹500 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • Rewards only via irctc.co.in / IRCTC app bookings
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ SBI IRCTC RuPay — common questions

Is the SBI IRCTC RuPay Credit Card lifetime free?

No. It has a joining fee of ₹500 and an annual fee of ₹300 (plus 18% GST). Low fee for frequent train travellers.

What rewards does the SBI IRCTC RuPay Credit Card give?

Up to 10% on IRCTC AC bookings. Up to 10% value back on 1AC, 2AC, 3AC, CC and EC bookings on IRCTC.

Who is eligible for the SBI IRCTC RuPay Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 700+. Final approval is decided by the bank.

Does the SBI IRCTC RuPay Credit Card give airport lounge access?

Yes — 4 railway lounges/year.

What is the forex markup on the SBI IRCTC RuPay Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI IRCTC RuPay Credit Card?

People who book AC train tickets often.

Explore📲 UPI Credit Cards✈️ Travel Cards🌱 First Credit Card🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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