SBI IRCTC Rupay Credit Card - Best card for IRCTC Bookings in India!
Discover the SBI IRCTC RuPay Credit Card benefits, annual fee, reward points, railway lounge access, IRCTC booking offers, eligibility, and pros & cons.
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WHY SHOULD YOUR FRIENDS & FAMILY APPLY FOR SBI IRCTC RUPAY CREDIT CARD
Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
1 Reward Point per Rs 125 on other retail spends (~0.8% return rate)
4 complimentary railway lounge visits per year (1/quarter)
Welcome Bonus: 350 Reward Points on first spend ≥ Rs 500 (within 45 days of card issuance)
Renewal Bonus: 500 Reward Points on fee payment (offsets Rs 500 fee)
1% IRCTC transaction charge waiver on e-ticket bookings
1% fuel surcharge waiver on Rs 500-Rs 3,000 transactions (max Rs 100/month)
RuPay Network: UPI enabled + eligible for RuPay/UPI offers
FEES AND LIST OF ALL CHARGES
Annual Fee: Rs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)Renewal Fee: Rs 500 + GST, from second year onwards
DOCUMENTS NEEDED
ID Proof: PAN Card/Form 60Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or salary slips
Photograph: Recent passport-sized photo
ELIGIBILITY CRITERIA
Age: 21 to 65 yearsEmployment: Both salaried and self-employed individuals
Minimum Income: Rs 30,000 per month
650+ with no delayed payments in the past 12 months
New-to-Credit: Allowed only for Salaried applicants
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