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IRCTC RuPay SBI Credit Card

SBI Card

IRCTC RuPay SBI Credit Card

rupayclassiccredittravel

Annual Fee

₹354₹300 + GST

Base Reward

1% points

Foreign Markup

3.5%

Apply Now
4.3/5
VerifiedLast updated 26 May 2026

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

Specialty

1% Value Back on UPI spends (RuPay)

1X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
IRCTC

IRCTC

3% Value Back on IRCTC train bookings (AC1/AC2/AC3/CC)

3X

Reward Calculator

Earns ₹246/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

2.4K

SBI Reward Points

Best worth

₹600

via standard · ₹0.25/pt

Effective rate

0.31%

Annual fee

₹354

Year 1 net

+₹246

Year 2+ net

+₹246

ongoing

Adjust your spend by reward bucket

3 buckets
3.00%3% Value Back on IRCTC train bookings (AC1/AC2/AC3/CC)
₹3,000/mo
Earns 90 sbi reward points / mo≈ ₹23 worth/mo
1.00%1% Value Back on UPI spends (RuPay)
₹3,000/mo
Earns 30 sbi reward points / mo≈ ₹8 worth/mo
0.80%All other spends
₹10,000/mo
Earns 80 sbi reward points / mo≈ ₹20 worth/mo

Milestone Rewards

Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.

₹50K
₹5K₹50K₹1L₹2L₹3L

per year · You spend ≈ ₹6L

₹2L₹250 value

₹250 IRCTC e-voucher

₹3L₹500 value

₹500 IRCTC e-voucher

₹4L₹750 value

₹750 IRCTC e-voucher

₹5L₹1K value

₹1,000 IRCTC e-voucher

Real Reward Ceiling

Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.

1% Value Back on UPI spends (RuPay)

Headline: 1.00% effective

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

balance transfer, cash advance, emi, insurance, jewelry, education, wallet

Fuel surcharge waiver (good news)

1%

on ₹500–₹3,000 fuel txns · capped at ₹100/cycle

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

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

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

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
IRCTC RuPay SBI Credit Card — Benefits, Rewards & Fees | Ri8Lane