IRCTC SBI RuPay Credit Card

Rewards

• Rewards rate

  1 Reward Point on every spend of Rs. 125.

• Welcome benefits

  350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card

• Reward redemption

  RPs Are Credited to IRCTC Loyalty Account

Benefits

• 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.

Fees & charges

• Rewards redemption fee

  Rs. 99

• Foreign currency markup

  3.5%

• Interest rates

  3.75% Per Month (45% Per Annum)

• Fuel surcharge waiver

  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.

• Cash advance charges

  2.5% or Rs. 500 (whichever is higher)

Product highlights

• Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at the IRCTC Website 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, 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.

FAQs