IRCTC RuPay SBI Credit Card
SBI Card
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
1% points
Foreign Markup
3.5%
Interest Rate
3.75% per month
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
Rewards
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.
Redemption
1 Reward Point = ₹1 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 1%(1 Reward Point on every ₹125 spent) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| IRCTC | 10% value back | online |
Benefits & Features
Domestic: 4 complimentary railway lounge access every year Complimentary Railway lounge access is only for primary cardholders.
Fees & Charges
Eligibility
Min Age
18 years
Available Networks
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