IRCTC SBI RuPay Credit Card Review

IRCTC and SBI Card launched IRCTC SBI RuPay Credit Card

>.SBI already have IRCTC SBI Platinum Credit card and IRCTC SBI Card Premier Credit card on the Visa platform.

Now IRCTC and SBI Card launched IRCTC SBI RuPay Credit Card on the indigenously built RuPay platform. IRCTC SBI Card is one of the best performing travel products from SBI Card.

With the launch of this card.SBI will coverage more customers and value to his company.

IRCTC SBI RuPay Credit Card
IRCTC SBI RuPay Credit Card

The market of frequent rail travelers in India is vast and there is huge potential for credit cards catering exclusively to the needs of such travelers. IRCTC SBI Card, launched in 2006, is one of the best performing travel products from SBI Card. With the launch of this flagship product onto the indigenous RuPay network, a wider audience will be able to avail of the strong value proposition offered by the card. With this launch, SBI Card once again reaffirms its commitment to bring consumers secure, value-added, cashless payment solutions

Rajnish Kumar, Chairman, State Bank of India.

IRCTC SBI RuPay Credit Card Joining and Annual Fees

  • Joining Fees: INR 500+ GST ( No Joining Fees till 31st March 2021)
  • Renewal Fee: INR 500+ GST
  • Welcome Benefit: 350 Bonus Rewards points on Card activation.

IRCTC SBI RuPay Credit Card Rewards

IRCTC SBI RuPay Credit Card Features

  • 1  percent transaction fee waiver on bookings made through the IRCTC website
  • Redemption of reward points on IRCTC website for free tickets
  • Tap and pay using a contactless card
  • 1 percent fuel surcharge waiver
  • RuPay also offer various discounts to customers like
  • 20 percent discount on medicines on Medlife
  • 25 percent off on Fitternity
  • Re.1 for 1 Month Hungama Music
  • Rs. 250 off on Me N Moms
  • 40 percent discount on pathology
  • 18 percent off on buying medicines from 1Mg
  • 10 percent fee waiver on any UpGrad course
  • Rs. 250 off on shopping at The Man Company
  • 10 percent discount each on Mamaearth
  • Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more and log on to within 30 days of purchase to convert it into Flexipay

IRCTC SBI RuPay Credit Card railway Lounge Access Benefits.

  • Under the railway lounge program, you will get a complimentary railway lounge on credit card and access will be applicable only for primary cardholders.
  • You must present credit for lounge access benefits.
  • INR 2 charges from your credit card for validation of credit card.
  • You are eligible to access 4 complimentary railway lounge access with a maximum of 1 visits per quarter
  • Check T & C

RCTC SBI RuPay Credit Card Eligibility

  • You minimum age should be 18 Year
  • Maximum age limit is 60 Years.
  • You Should be resident in India.
  • Minimum Income should be at least 20K per month
  • Other Criteria Like Good CIBIL Score is must otherwise application would be rejected.


This is a good credit card for train bookings which gives very good returns on the Train tickets booking. Compare to. IRCTC SBI Card Premier which has Annual fees of INR 1500 + GST, this credit has only Annual of Fees of INR 500 and furthermore Joining fees of INR 500 have waived off till 31st March 2021. This credit joining and annual fees equally to Simply Click Sbi Credit Card which also offers 10% value back on online shopping.

Do you like the features of the SBI IRCTC RuPay Credit Card or planning to apply? Feel free to share your thoughts in the comments below.

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