IRCTC SBI Rupay Credit Card

Welcome Benefit – Following Activation benefits are provided:

• Joining fee will not be charged if you apply for the card before 31^st March 2021
• 350 reward points upon spending Rs.500 or more in the first 45 days

IRCTC Benefit – Following benefits are provided when you use the card to book tickets from IRCTC website:

• 10% Valueback, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
• Waiver of 1% transaction charges on railway ticket bookings

Rewards Program – 1 Reward Point per Rs.125 spent on retail and Railway tickets other than the ones mentioned above.

Railway Lounge Program – 1 free railway lounge visit per quarter at participating lounges in India.

Rupay Offers – The Rupay Platform provides great offers on travel, golf, dining and other entertainment options.

Fuel Surcharge Waiver – 1% fuel surcharge waiver is provided which is capped at Rs.100 per month.

Visa Variant – SBI Card offers the credit card on the Visa payment network as well. However, this variant does not provide lounge visits, Rupay offers and charges a joining fee of Rs. 500. Other features remain the same.

To read more details of IRCTC SBI Platinum Card and apply for it click here.

Fee/Charge	Amount/Rate
Joining Fee	Rs. 500 (After 31st March 2020)
Renewal Fee	Rs. 300
Interest-Free Credit Period	20-50 days applicable only on retail purchases and if previous months’ outstanding balance is paid
Finance Charges	3.35% per month/40.2% per annum
Cash Advance limit	Up to 80% of the credit limit, with a maximum of Rs. 12,000 per day
Cash Advance Charges	Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal
Cash Advance Fee SBI or Other Domestic ATMs	2.5% of the amount, min. Rs. 500
Cash Advance fee International ATMs	2.5% of transaction amount, Min. Rs. 500
Over limit Charges	2.5% of amount/Min. Rs. 500
Late Payment Fee	Nil for the total amount due between Rs. 0 & Rs. 500 Rs. 400 for the total amount due greater than Rs. 500 and up to Rs. 1,000 Rs. 750 for the total amount due greater than Rs. 1,000 and up to Rs. 10,000 Rs. 950 for the total amount due greater than Rs. 10,000

The RuPay variant of SBI IRCTC Credit Card offers some special privileges to its users such as Railway lounge access. Users can enjoy 4 complimentary railway lounge access in a year to participating lounges in India. A maximum of 1 lounge visit can be availed in a quarter. Besides that, the rest of the features are almost similar to the SBI IRCTC Platinum Credit Card variant. This implies that this card is best suited for those book railway tickets worth Rs. 50,000 or more in a year. Only 1 reward point is provided on every Rs. 125 spent which can easily be the lowest in any category. You should get this card if SBI IRCTC cards are meant for you only if you travel a lot through trains. You can consider other similar credit cards if you wish to enjoy benefits across different categories like shopping, travel, entertainment, etc.

You must meet the eligibility criteria that are set by SBI Card. The criteria include but are not limited to income, age, nationality (Resident Indian/NRI) and place of residence. Besides this, you must have a good credit score without any defaults on loan payments.

Other requirements, if any, will be shared at the time of application.

Documents Required for IRCTC SBI Rupay Credit Card

Identity, address and income proofs are sought by the bank to verify the information provided in the application form. The list of eligible documents is given below:

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc.
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc.
Income Proof	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc.

IRCTC Rupay SBI Card is currently not provided on our platform. However, you may apply for its variant the IRCTC SBI Platinum Card or check out other credit cards that you are eligible for by clicking here.

Credit Card	Annual Fee	Comparative Feature
IRCTC SBI Platinum Card	Rs. 300	Up to 10% valueback on rail ticket bookings
MakeMyTrip ICICI Bank Platinum Credit Card	Nil	Up to 3 My Cash per Rs. 200 spent on MakeMyTrip
HDFC Bank Diners Club Rewardz Credit Card	Rs. 1,000	1 Reward Point = 0.30 Airmile Earn 3 Reward Point per Rs. 150 spent
Air India SBI Platinum Credit Card	Rs. 1,499	15 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com
IRCTC SBI Card Premier	Rs. 1,499	10% back on AC1, AC2, AC3, AC CC as reward points 5% back Air ticket purchases

What is the difference between IRCTC SBI Card Premier, IRCTC SBI Rupay Credit Card and IRCTC SBI Card Premier?
The prominent features of the 3 cards for comparison are provided below:

Category	IRCTC SBI Platinum Card	IRCTC Rupay Credit Card	IRCTC SBI Card Premier
Value back on tickets booked at IRCTC	10% Valueback, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website	10% Valueback, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website	10% Valueback, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
Reward Points	1 Reward Point for every Rs.125 spent	1 Reward Point for every Rs.125 spent	3 Reward Points for every Rs. 125 spent
Rail ticket surcharge waiver	Provided	Provided	Provided
Milestone Benefits	Nil	Nil	Annual fee waiver & up to 7,500 Reward Points
Insurance Coverage	Nil	Nil	Up to Rs. 50 lakh
Free Rail Lounge Visits	Nil	1 per quarter	2 per quarter
Joining Fee	Rs. 500	Rs. 500 (After 31st March 2021)	Rs. 1,499
Annual Fee	Rs. 300	Rs. 300	Rs. 1,499

 Who should apply for IRCTC SBI Rupay Credit Card?
The card is best suited for anyone who frequently travels by Indian railways. Cardholders can use the lounge area to wait for their trains and earn value back on tickets booked via IRCTC as well as other purchases. Besides, they will also get offers associated with Rupay platform as well.

Is IRCTC SBI Rupay Credit Card accepted globally?
Yes, you can use your cards at any POS/ATM machine that accepts Pulse, Discover & Diners Plus cards.

What offers does the Rupay payment network provide on the credit card?
The Rupay payment network provides offers on travel, golf, dining and other entertainment areas.

Does the IRCTC SBI Rupay credit card offer add-on credit cards?
Yes, you can get add on credit cards with IRCTC Rupay SBI Credit Card for your immediate family members.