SBI Irctc Credit card Benefits
If you are a regular train traveler in India, then the SBI IRCTC Credit Card is aptly your daily companion. As the credit card is beneficially designed for the IRCTC platform users, let’s unveil the features and benefits that you will receive through the SBI IRCTC RuPay Credit Card and also enlist the step to apply for this credit card with its reward program and why it is essential for train travelers.
Key Features of SBI IRCTC Credit Card

- Specialized Travel Rewards: Earn exclusive reward points on IRCTC bookings and other travel-related expenses.
- Affordable Fees: The card comes with a low joining and annual fee, making it budget-friendly.
- Easy Redemption: Reward points earned can be redeemed for train tickets or other services on the IRCTC platform.
- Comprehensive Coverage: The card is powered by RuPay and SBI, offering wide acceptance across IRCTC and other platforms.
- Secure Transactions: With advanced RuPay technology, enjoy safe and seamless transactions on IRCTC and other e-commerce websites.
Benefits of SBI IRCTC Credit Card
The SBI IRCTC RuPay Credit Card offers various perks that make train travel not only convenient but also cost-effective. Here’s a detailed look at the SBI IRCTC Credit Card Benefits:
- Discounts on Train Tickets
- Get up to 10% cashback on AC Class train bookings made via IRCTC using the SBI IRCTC RuPay card.
- Additional discounts on non-AC bookings and sleeper class tickets.
- Reward Points Program
- Earn 4 reward points for every ₹100 spent on train bookings through IRCTC.
- Additional reward points on dining, entertainment, and grocery shopping.
- Fuel Surcharge Waiver
- Enjoy a 1% fuel surcharge waiver at petrol stations across India when you use your SBI IRCTC card.
- Complimentary Travel Insurance
- Get free accident cover and travel insurance up to ₹10 lakhs for cardholders.
- Online Shopping Benefits
- Use the card for online purchases to enjoy additional discounts and offers on partner websites.
- Low Annual Fees
- The card is economical with an annual fee of ₹500, which is waived on spending a certain amount annually.
- Convenient EMI Options
- Convert your high-value purchases into easy EMIs through the card.
- Access to Airport Lounges
- Complimentary access to domestic airport lounges for SBI IRCTC RuPay cardholders.
Read More: How to Cancel Train Tickets on IRCTC App
How to Apply for SBI IRCTC Credit Card
Applying for the SBI IRCTC Credit Card is a straightforward process. Follow these steps:
- Visit the Official Website:
- Go to the SBI Cards website or visit the IRCTC portal.
- Choose the IRCTC Card:
- Select the SBI IRCTC RuPay Credit Card from the list of available cards.
- Fill the Application Form:
- Provide personal, financial, and employment details as required.
- Submit KYC Documents:
- Upload necessary documents like PAN Card, Aadhaar Card, and income proof for verification.
- Wait for Approval:
- Once the application is submitted, SBI will review it and notify you upon approval.
- Receive Your Card:
- Once approved, your SBI IRCTC card will be delivered to your registered address.
Why Choose IRCTC SBI RuPay Card?

The IRCTC SBI Card is specifically designed for individuals who travel frequently by train. It provides significant savings, making it a top choice for budget-conscious travelers. Here are a few reasons to opt for this card:
- Tailored rewards for train bookings.
- Affordable fees with great travel and shopping benefits.
- Simplified payment solutions through RuPay’s secure platform.
How to Maximize the Benefits of SBI IRCTC Credit Card
- Use for Train Bookings:
- Book train tickets exclusively via IRCTC to earn maximum reward points and avail discounts.
- Leverage Rewards Program:
- Redeem reward points for free or discounted tickets, making your travel even more affordable.
- Take Advantage of Lounge Access:
- Use your complimentary lounge visits for comfort during your travels.
- Opt for Online Payments:
- Use the card for online shopping, dining, and utility payments to earn additional rewards.
FAQs About SBI IRCTC Credit Card
What is the annual fee for the SBI IRCTC RuPay Credit Card?

The annual fee is ₹500, which is waived off upon reaching the specified spending limit.
How can I apply for the SBI IRCTC credit card?
You can apply through the SBI Cards website or IRCTC portal by filling out the application form and submitting KYC documents.
What are the benefits of the IRCTC SBI RuPay Card?

Key benefits include discounts on train bookings, reward points, fuel surcharge waiver, and complimentary lounge access.
Can I use the SBI IRCTC Credit Card for shopping?
Yes, the card can be used for shopping and other expenses, offering reward points on eligible purchases.
How to redeem reward points on the SBI IRCTC credit card?
You can redeem reward points directly on the IRCTC website for train tickets or other services.
Is the SBI IRCTC Credit Card secure?
Yes, it comes with advanced RuPay security features, ensuring safe transactions.