HomeCredit CardsIRCTC RuPay SBI Credit Card
IRCTC RuPay SBI Credit Card

SBI Card

IRCTC RuPay SBI Credit Card

rupayclassiccredittravel

Annual Fee

₹500

Base Reward

1% points

Foreign Markup

3.5%

4.3/5

Welcome Benefits

350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card

Product Highlights

  • 1 Reward Point for every ₹125 spent
  • 350 bonus reward points on first transaction over ₹500

Category Rewards

travel

1 Reward Point on every ₹125 spent

1 Reward Point on every ₹125 spent

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
IRCTC

IRCTC

online

10% value back

Rewards Details

Get 1 Reward Point for every ₹125 spent on retail purchases, including railway tickets booked at the IRCTC Website or IRCTC mobile app. Earn up to 10% value back as reward points when buying AC1, AC2, AC3, and AC CC tickets through IRCTC.

Reward Points — Redemption Value
  • 1 Reward Point = ₹1 against statement

Benefits & Features

Domestic: 4 complimentary railway lounge access every year Complimentary Railway lounge access is only for primary cardholders.

Pros & Cons

Pros

  • Complimentary railway lounge access
  • 10% value back on railway ticket bookings

Cons

  • Joining fee of ₹500 + GST
  • No dining benefits

Additional Info

Complimentary Railway lounge access is only for primary cardholders.

Foreign currency markup fee is 3.5%.

Excluded Categories

fuelcash

Partner Merchants

IRCTC

Fees & Charges

Annual Fee₹500
Joining Fee₹500 + GST
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% or ₹500 (whichever is higher)
Redemption Fee₹99

Eligibility

Min Age

18 yrs

Networks

rupay