IRCTC Rupay SBI Credit Card

7.6
Expert ScoreRead review
  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.

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Category:

IRCTC Rupay SBI Credit Card

7.6
Expert ScoreRead review
  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.
Category:
Reward Type
Reward Points
Renewal Fee
Rs 300
Joining Fee
500 (plus applicable taxes)
Type of Card
Cashback
Welcome Benefits
Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.

USP of Card

  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.

Fees & Charges

Spend Based Waiver
Nil
Interest Rates
3.50% per month (42% per annum)
Cash Advance Charges
3.5% per foriegn conversion
Rewards Redemption Fee
Rs. 99
Fuel Surcharge
1% fuel surcharge waiver across all petrol pumps in India for all transactions between Rs. 500 to Rs. 3,000. You can get a maximum waiver of Rs. 100 in a statement cycle.
Foreign Currency Markup
2.5% or Rs. 500 (whichever is higher)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
NA
Reward Redemption
The RPs you earn are credited to your IRCTC Rupay SBI credit card.
Zero Liability Protection
The cardholder will not be liable for any fraudulent transaction done through their card once the card is reported lost/stolen.
Rewards Rate
1 Reward Point on every spend of Rs. 125.
Travel
You get complimentary railway lounge access every year through the Railway Lounge Program and accommodation at more than 5000 hotels across 350+ cities in India.
Online Shopping offers
NA
Insurance Benefits
NA
Domestic Lounge Access
4 complimentary domestic railway lounge access every year (1 per quarter).
International Lounge Access
NA
7.6Expert Score
  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.
Best values score
7.6
7.6Expert Score
  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.
Best values score
7.6

Specification: IRCTC Rupay SBI Credit Card

Bank Name

SBI

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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IRCTC Rupay SBI Credit Card
IRCTC Rupay SBI Credit Card

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