India's premier railway credit card offering up to 10% value back on IRCTC AC tickets and RuPay UPI integration.
₹500
One-time upfront₹300
Waived on ₹50,000 annual spend1 Reward Point on every spend of Rs. 125.
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IRCTC SBI RuPay Credit Card is an essential, high-utility financial product for frequent train commuters, government employees, and leisure travelers who depend on Indian Railways. Its hero benefit is an outstanding up to 10% value back as Reward Points on AC ticket purchases (AC1, AC2, AC3, AC CC, and Executive Chair) booked via the official `irctc.co.in` website or the IRCTC Rail Connect Android app. Importantly, 1 IRCTC Reward Point equals exactly ₹1.00 when redeemed directly for purchasing future train tickets on IRCTC, making redemption completely frictionless. Cardholders also enjoy a 1% transaction charge waiver on all train ticket bookings on the IRCTC portal, saving payment gateway surcharge fees on every journey. Issued on the indigenous RuPay network, the card seamlessly links to UPI payment apps (Google Pay, PhonePe, Paytm, BHIM), allowing cardholders to earn rewards while making everyday QR-code payments at local merchants. Additional travel perks include 4 complimentary visits per year (1 per calendar quarter) to premium IRCTC Executive Lounges at major railway stations across India. The primary limitation is category specialization: the 10% accelerated earn applies strictly to AC train tickets (non-AC sleeper tickets and general retail swipes earn standard 1 point per ₹125), and airport lounge access is not included. Who should consider it: Regular railway travelers spending ₹5,000+ monthly on IRCTC AC train bookings who want direct ticket savings and RuPay UPI flexibility. Who should look elsewhere: Airline frequent flyers or consumers looking for flight tickets and airport lounge access.
1 Reward Point on every spend of Rs. 125.
350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| AC Train Ticket Bookings on IRCTC (irctc.co.in / App) | Up to 10% valueback as Reward Points on AC1, AC2, AC3, and Executive Chair Car bookings | No Cap | Standard terms apply |
| Non-Fuel Retail Spends & UPI | 1 Reward Point per ₹125 spent (1 RP = ₹0.25 on IRCTC ticket redemptions) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| AC Train Ticket Bookings on IRCTC (irctc.co.in / App) | ₹6,000 | Up to 10% valueback as Reward Points on AC1, AC2, AC3, and Executive Chair Car bookings | — | None | Calculating... | Under cap |
| Non-Fuel Retail Spends & UPI | ₹6,000 | 1 Reward Point per ₹125 spent (1 RP = ₹0.25 on IRCTC ticket redemptions) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹300
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹500 + GST joining fee and ₹300 + GST annual renewal fee. Renewal fee reversed upon achieving ₹50,000 in eligible retail spends in the previous year. Welcome Gift: 350 activation bonus reward points credited upon completing a single transaction of ₹500 or more within 45 days of card setup. Railway Value Back: Up to 10% value back as Reward Points on AC1, AC2, AC3, AC CC, and Executive Chair ticket bookings made on `irctc.co.in` or IRCTC Rail Connect app. Transaction Charge Waiver: 1% transaction charge waiver on railway tickets booked through the official IRCTC ticketing website. RuPay UPI Integration: Linkable to UPI apps for merchant QR code scan-and-pay transactions directly debited to the credit card limit. Railway Lounge Access: 4 complimentary access visits per calendar year (1 visit per quarter) to IRCTC Executive Lounges at designated major railway stations. Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps, capped at ₹100 per statement cycle. Point Redemption: 1 Reward Point = ₹1.00 when redeemed for train ticket bookings on the IRCTC ticketing portal. Exclusions: Non-AC sleeper class tickets, wallet loads, fuel, and utility bill payments do not qualify for the 10% accelerated reward rate.
Evaluate whether this card's perks and waiver threshold justify its ₹300 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IRCTC SBI RuPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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