SBI IRCTC Credit Card, launched in association with IRCTC offers multiple travel benefits to the users at a minimal annual fee. It offers value back benefits on booking tickets through IRCTC, domestic lounge access, and waiver on railway ticket bookings. Additionally, you get basic rewards on other retail purchases. If you frequently travel within India via trains, this card can be a good fit for you. Read on to know more.
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Key Highlights of SBI IRCTC Platinum Credit Card |
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| Best Suited For | Travel |
| Annual Fee | Rs. 500 |
| Renewal Fee | Rs. 300 |
| Best Feature | 10% value back as reward points on booking tickets through IRCTC; Save 1% transaction charge on railway bookings |
| Welcome Benefit | 350 activation bonus reward points |
| Paisabazaar’s Rating | ★★★(3/5) |
| On this page: |
SBI IRCTC Card provides the following activation benefits:
The card provides certain benefits on IRCTC website as listed below:
IRCTC SBI Card users can get 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases done via IRCTC website or mobile application.
For example, if you book railway tickets worth Rs. 5,000, you will get 40 reward points. And, 1 reward point is equivalent to Rs. 1 thereby, you will get a benefit of Rs. 40.
Suggested Read: 5 Best Domestic Travel Credit Cards in India
Read full review of SBI IRCTC Credit Card
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The table below shows the fees and charges associated with this credit card:
| Fee/Charge | Amount/Rate |
| Annual Fee | Rs. 500 |
| Renewal Fee | Rs. 300 |
| Finance Charges | Up to 3.50% per month [42% per annum] |
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Late Payment Fee** |
For Statement Balance Less than Rs. 500 – Nil Rs. 500 up to Rs. 1,000 – Rs. 400 Rs. 1,000 up to Rs. 10,000 – Rs. 750 Rs. 10,000 up to Rs. 25,000 – Rs. 950 Rs. 25,000 up to Rs. 50,000 – Rs. 1,100 Amount over Rs. 50,000 – Rs. 1,300 |
*For most important terms and conditions of the SBI IRCTC Credit Card, Click Here.
**An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
The applicant must fulfil the below eligibility to apply for this credit card:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
With a low annual fee of Rs. 500, SBI IRCTC Credit Card gives 10% value back on every railway ticket booking which is a decent reward. However, it is a very basic card for those who spend more than or equal to Rs. 20,000 on railway tickets per annum. There are no benefits on daily spends such as grocery, shopping, utility bills, etc. Only 1 reward point is provided on every Rs. 125 spent which can easily be the lowest in any category. SBI IRCTC card is meant for you only if you travel a lot by trains. You should, however, opt for other cards if you want some benefits from every category like shopping, rewards, dining, travel, etc.
| SBI offers credit cards across different categories. Apply Online for Best SBI Credit Cards and find the right card for you. |
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| Credit Card | Annual Fee | Comparative Feature |
| IRCTC Rupay SBI 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 | Earn 3 Reward Point per Rs. 150 spent ( Reward Point = 0.30 Airmile) |
| 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 |
How can I redeem reward points from SBI IRCTC Card?
These reward points can be redeemed by linking your IRCTC SBI Card loyalty number with your IRCTC login id. Redemption of reward points can be done online via IRCTC website or Android IRCTC mobile app.
What is the travel offer by IRCTC on this card?
You can save 1% transaction charges on train ticket bookings done on the IRCTC website. Apart from that, on booking tickets for AC1, AC2, AC3 and AC CC via IRCTC portals, you get up to 10% value back as reward points.
What is the Renewal Fee on this credit card?
The Renewal Fee on this credit card is Rs. 300.
What transaction surcharge waivers does this card offer?
You can save 1% transaction charge on railway ticket bookings done via the IRCTC website and 1% on fuel surcharge.
What is the value of reward points in Indian Rupees?
1 Reward Point is worth Rs. 1.
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