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SBI Card
RuPay
IRCTC RuPay SBI Card

SBI Card IRCTC RuPay SBI Card

RuPay IRCTC card: 10% rewards on AC-class rail bookings, 4 railway lounge visits yearly—no airport lounge access.

travel

Also available on Visa

SBI Card IRCTC RuPay SBI Card is issued on more than one network — each has different rewards and lounge access.

  • SBI Card
    VISA
    IRCTC Platinum

    Visa variant

    SBI also issues a RuPay edition of IRCTC Platinum with materially different terms: a higher annual fee (₹500+GST vs ₹300+GST), no airport lounge access (railway-lounge visits only), and a lower 1% IRCTC transaction fee waiver vs 1.8% on this Visa edition.

Last reviewed 25 July 2026

Fees

Joining fee

₹500

Annual fee

₹500

Waiver: No spend-based waiver — the ₹500 + GST joining and renewal fees apply regardless of usage.

Eligibility

Min. CIBIL Score: 700+

Age: 18+ yrs

Employment: salaried, self employed

Rewards

irctc rail10x points
all other0.8x points

Welcome benefits

  • • 350 bonus reward points (worth ~₹350) on a single transaction of ₹500 or more within 45 days of card issuance (one source cites up to 60 days)

Perks

  • ✓Domestic lounge access: 4/yrRailway lounge access only, at participating IRCTC-partner railway lounges — not airport lounges. Capped at 1 visit per quarter, primary cardholder only.
  • ✓Fuel surcharge waiver: 1%Capped at ₹100/month
  • ✓Forex markup: 3.5%
  • ✓1% transaction fee waiver on train ticket bookings made through irctc.co.in
  • ✓10% reward-point value back applies only to AC1, AC2, AC3, and AC Chair Car (CC) class train tickets booked via IRCTC; other retail spend earns only the base 1 point per ₹125
  • ✓500 bonus reward points on card renewal
  • ✓₹99 fee charged on reward-point redemption
  • ✓Rupay contactless technology, eligible for UPI linkage

Common questions

What is the annual fee on the SBI Card IRCTC RuPay SBI Card?
The joining fee is ₹500. The annual fee is ₹500. No spend-based waiver — the ₹500 + GST joining and renewal fees apply regardless of usage.
What are the reward rates on the SBI Card IRCTC RuPay SBI Card?
SBI Card IRCTC RuPay SBI Card earns 10x points on irctc rail, 0.8x points on all other spends.
Does the SBI Card IRCTC RuPay SBI Card offer airport lounge access?
Yes: 4 domestic lounge visits per year (Railway lounge access only, at participating IRCTC-partner railway lounges — not airport lounges. Capped at 1 visit per quarter, primary cardholder only.).
Who is eligible for the SBI Card IRCTC RuPay SBI Card?
Applicants typically need a CIBIL Score of 700+, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.
Is the SBI Card IRCTC RuPay SBI Card available on other networks?
Yes, it's also issued on Visa. SBI also issues a RuPay edition of IRCTC Platinum with materially different terms: a higher annual fee (₹500+GST vs ₹300+GST), no airport lounge access (railway-lounge visits only), and a lower 1% IRCTC transaction fee waiver vs 1.8% on this Visa edition.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
10x points
₹
0.8x points
Estimated annual value—
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