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The SBI IRCTC Credit Card is a co-branded credit card designed to make railway travel more rewarding and affordable for frequent travelers. Here’s everything you need to know about its features, benefits, charges, and application process.

What is an SBI IRCTC credit card?

The SBI IRCTC Credit Card is a co-branded card offering benefits like 5% cashback on IRCTC air ticket and e-catering purchases. It provides reward points on travel, dining, and retail spends, complimentary insurance coverage, milestone rewards, and fuel surcharge waivers, making it ideal for frequent travelers.

What are the benefits of IRCTC SBI Credit Card?

The IRCTC SBI Credit Card offers various benefits, including 5% back on air ticket and e-catering purchases, milestone rewards based on annual travel spends, complimentary insurance covers like rail and air accident insurance, and fuel surcharge waivers. Additionally, cardholders earn reward points on dining, utilities, and retail purchases.

Is SBI IRCTC credit card RuPay or VISA card?

The SBI IRCTC Credit Card is a VISA card, not a RuPay card. It offers the benefits and features associated with the VISA network, such as global acceptance and security features.

Do SBI IRCTC credit cards offer lounge access?

The SBI IRCTC Credit Card offers complimentary railway lounge access, allowing up to 4 free visits annually (1 per quarter) to participating lounges across India. This benefit provides amenities like comfortable seating, Wi-Fi, and refreshments. However, the card does not include airport lounge access privileges.

What are SBI IRCTC credit card annual charges?

The SBI IRCTC Credit Card charges ₹500 + GST as a joining fee and ₹300 + GST annually (waived on spends over ₹2 lakh). Finance charges are 3.5% monthly, with a 2.5% cash advance fee (minimum ₹500). Late payment fees range from ₹0 to ₹1,300, based on outstanding dues.

Eligibility & Usage

How to get SBI IRCTC credit card?

To get an SBI IRCTC Credit Card, follow these steps:

1. Visit the Official Website: Go to the SBI Card website.
2. Online Application: Click on “Apply Now” under the SBI IRCTC Credit Card section and fill in the required details.
3. Eligibility Check: Submit basic information to check eligibility.
4. Submit Documents: Provide identity proof, address proof, income proof, and a passport-sized photo as requested.
5. Verification: After application submission, SBI will verify your details.
6. Card Approval: Once approved, the card will be delivered to your registered address.

You can also apply offline by visiting the nearest SBI branch.

What is the minimum monthly income for an IRCTC SBI credit card?

The minimum monthly income requirement to apply for this credit card is Rs 20,000 in case you are salaried and Rs 30,000 for self-employed.

What income proof documents are needed to apply for IRCTC SBI credit card?

A salaried employee can give their latest salary slips, Form 16 or bank statements. While a Self-employed- Income Proof can be an income proof, statement of accounts, proof of business.

How to use SBI IRCTC Credit card for travel booking?

Using this card for travel booking is very easy. Just follow the below steps. 

• Register free of cost
• Log in with your username and password
• Follow instructions on the website to make your reservations
• Make payments through your SBI Card at the payment gateways that accept a Visa Card

How to link an SBI IRCTC card to an IRCTC account?

• Select the Add Loyalty Account option under the Loyalty tab on the menu bar. 
• On the next screen, enter the 11 digit Loyalty number printed on your IRCTC SBI credit card and click on Send OTP button. 
• Enter the OTP received on your IRCTC registered mobile number and click on Add Loyalty Account button. All Done.

Is an IRCTC card worth it?

Apart from ticket bookings, you can also earn reward points on your retail purchases along with complimentary railway lounge access every year. Overall, this is a great credit card for people who frequently travel as it offers good returns on air and travel bookings

What is the use of IRCTC SBI platinum card?

The card extends multiple travel benefits to the users at a minimal annual fee. Cardholders can get significant value-back on booking tickets through IRCTC along with other benefits like railway lounge access and transaction charges waiver on railway ticket bookings.

Who is eligible for the SBI Platinum card?

Who is Eligible for SBI Platinum International Debit Card? You can apply for this debit card if you are a customer of SBI Bank and also an Indian Resident or NRE. To apply for SBI Platinum Debit Card you must have a: Savings Account.

What rewards do you get with an IRCTC SBI credit card?

You will get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only).

What are the annual fees of SBI IRCTC Premium Card?

Apart from this, the IRCTC SBI Card Premier offers benefits across the categories of fuel, reward points and insurance. The IRCTC SBI Card Premier comes with a joining fee and annual fee of Rs. 1,499 and a finance charge of 3.5% per month.

Is the SBI IRCTC card useful?

It provides 10% Value Back as Reward Points. It is one of the few cards on the market that is intended to provide benefits for train travel. With this credit card, you can get free railway lounge access, additional reward points on IRCTC bookings, free insurance coverage, and much more.

Rewards & Cashbacks

Do SBI IRCTC credit cards have welcome benefits?

SBI IRCTC credit card gives 350 – 1500 activation bonus reward points on a single transaction of Rs. 500 or more within 45 days of card issuance.

How to earn reward points in SBI IRCTC credit card?

• The cardholder needs to be a registered user of www.irctc.co.in .
• The Cardholder will have to book railway tickets at www.irctc.co.in while using IRCTC SBI Card. 
• The Cardholder necessarily must be one of the passengers on the ticket. Also, Reward Points will be awarded only on the cardholder’s individual fare.

What is the milestone offer for IRCTC SBI Card Premier?

Customers will get 2,500 reward points on annual travel spends of Rs. 50,000 & 5,000 reward points on annual travel spend of Rs. 1,00,000. Points will be credited after 15 days of achieving spending requirements.

Is the SBI IRCTC card free?

With a low annual fee of Rs. 500, SBI IRCTC Credit Card gives 10% value back on every railway ticket booking which is a good return for a low-fee card. Transaction charge waiver and complimentary railway lounge access definitely add value for train travellers.

How much cashback does IRCTC SBI Credit card gives?

It gives up to 10% cashback on earning reward points if you are buying tickets through irctc.co.in for AC1, AC2. AC3 and AC CC and earn up to 10% value back as reward points.