IRCTC SBI RuPay Credit Card: Benefits & Apply

Summary

The IRCTC SBI RuPay Credit Card is perfect for regular users of Indian Railways who want to earn more and have other benefits. For starters, the card is offered by IRCTC and SBI Card together, two extremely reliable names in India. The card is on RuPay, India’s card network, which offers secure and trouble-free transactions.

The best advantage of this card is that it gives up to 10% value back in the form of reward points on bookings made through the IRCTC website or mobile app. Also, payment gateway charges or transactions on such bookings are not charged, i.e., you save money directly each time you book.

Aside from this, the card also provides a refund of 1% fuel surcharge between ₹500 and ₹3,000 to those who travel with their vehicle, for the convenience of others as well. Being a RuPay card, it also provides other special offers on dining, shopping, and entertainment, providing extra value aside from travel. The card is contactless-enabled (NFC) for convenient and secure payments.

Introduction

In today’s fast-paced age, credit cards are a useful financial instrument to maintain day-to-day expenses within limits and treat oneself with premium rewards. Among the myriad of credit cards in India, the IRCTC SBI RuPay Credit Card is one of the highly sought-after cards for regular travelers of Indian Railways. It is a co-branded credit card that was launched by the State Bank of India (SBI) in partnership with IRCTC (Indian Railway Catering and Tourism Corporation). It is a card that is specifically meant to offer exciting travel-related rewards, reward points, and discounts to railway passengers.

Above all, the IRCTC SBI RuPay Credit Card offers many advantages such as cashback on online railway reservations through the IRCTC website or mobile app, reward points on every purchase, and discounts on meals and vacation packages. Moreover, cardholders also get free lounge usage at some of the railway stations and airports, making the travel even more comfortable.

However, before availing the IRCTC SBI RuPay Credit Card, it’s highly important to be familiar with its fees. Similar to any other credit card, it also has some fees that customers need to be aware of. These fees include the membership charge, annual renewal fee, interest charges on pending amounts, delayed payment charges, and foreign transactions fees etc.

Also, a comparison between the fees the card charges and the value of the fit will help in making an informed decision. For example, the reward points earned on railway ticket prices, the welcome offers, and the exemption from service charges at times can balance the annual fee if you travel a lot.

What is the IRCTC SBI RuPay Credit Card?

IRCTC SBI RuPay Credit Card is a unique credit card provided by the State Bank of India (SBI) jointly with IRCTC (Indian Railway Catering and Tourism Corporation). It has been designed exclusively for people who travel by train regularly in India.

To begin with, the card helps you save money each time you buy train tickets online through the IRCTC website or mobile application. You earn reward points for every transaction, which can be exchanged for free tickets or other benefits. The card also offers discounts on IRCTC tourism packages, flight bookings, and restaurants.

How is the design of the IRCTC SBI RuPay Credit Card?

The design of the IRCTC SBI RuPay Credit Card is simple yet attractive. The IRCTC and SBI logos are visible, adding a sense of trust and authenticity. Moreover, the card includes the RuPay logo, which highlights its Indian origin and digital compatibility.

Furthermore, the card has a smart chip for added security, which not only enhances safety but also makes it more convenient for contactless payments. In short, the design balances style and functionality, making it appealing for everyday users as well as train travelers.

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

These are the primary advantages of the IRCTC SBI RuPay Credit Card described in simple terms using a simple flow:

1. Reward Points for Train Ticket Bookings

First and foremost, you can earn as much as 10% worth back as reward points if you book train tickets on the IRCTC website or app by utilizing this credit card. This is a very good advantage for regular train passengers.

2. No IRCTC Transaction Charges

Furthermore, while purchasing train tickets using this card on IRCTC, no payment gateway fees or transaction costs need to be made. In this manner, you save even further.

3. Welcome Benefits

As a gesture of welcome, you get 1,000 reward points on first-time spends worth more than ₹500 in your first 45 days from activation of the card. That’s equivalent to having ₹250 as a benefit simply for using your card!

4. Fuel Surcharge Waiver

Besides that, this card has another feature in store for you – a 1% waiver on fuel spend of ₹500 to ₹3,000. So, you end up saving money on every refilling of your fuel.

5. RuPay Discounts and Cashback

As it is a RuPay card, you also get a range of special discounts and cashback on food, shopping, and entertainment from RuPay partner platforms.

6. Contactless Payments

Another advantage is that the card comes with NFC (contactless) technology. So, you can simply tap your card on the machine and pay securely and conveniently.

7. Low Annual Fee

The fee per year is only ₹500, and it gets automatically waived off if you make a spend of ₹1 lakh or more in one year. So, the card becomes nearly free if you spend frequently.

What are the fees for the IRCTC SBI RuPay Credit Card?

Here is a simple breakdown of the  IRCTC SBI RuPay Credit Card fees.

Joining Fee	Rs. 500 + GST
Annual Fee	Rs. 500 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IRCTC SBI RuPay Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IRCTC SBI RuPay Credit Card?

The documents that you will have to submit to get an IRCTC SBI RuPay Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IRCTC SBI RuPay Credit Card be used?

Here is the list of places where you can use it:

• With the IRCTC SBI RuPay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• The  IRCTC SBI RuPay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IRCTC SBI RuPay Credit Card?

The credit amount you can spend is what you are provided to you with an IRCTC SBI RuPay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IRCTC SBI RuPay Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  IRCTC SBI RuPay Credit Card.

• Just hover your cursor on the  IRCTC SBI RuPay Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  IRCTC SBI RuPay Credit Card.

• Request for the credit card application form of the  IRCTC SBI RuPay Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IRCTC SBI RuPay Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IRCTC SBI RuPay Credit Card in 2025 be right?

Yes, getting an IRCTC SBI RuPay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Into, the IRCTT SBI Card Premier is a superb credit card that provides immense value, especially for people who travel by train often in India. From the very start, this card has been launched with Indian Railways travelers in mind. Not only does it make your journey easier but also saves money through multiple discounts and reward points.

To begin with, the card provides great travel rewards such as up to 10% value back on railway bookings, free lounge access, and priority discounts on IRCTC holiday packages. These benefits all contribute to making the experience of traveling by train a better one for regular travelers. Additionally, the reward point system is such that whenever you spend, you earn something in return, which you can utilize subsequently to book tickets or shop.

Apart from that, the card also provides a fuel surcharge waiver, insurance benefits, and global acceptance, making it not only effective for traveling by train but also useful for daily expenses. Whether purchasing shopping, food, or booking flights under IRCTC, this card makes one eligible to utilize it significantly. Include the fact that even with such a small amount of transaction, you benefit from having instant and secure payment using the tap-and-pay feature of the card without needing to employ swipe-and-sign or enter the PIN to authorize an item.

Frequently Asked Questions (FAQ’s)