SBI IRCTC RuPay Credit Card Review 2026
Whether you're a daily commuter, a business traveller, or someone who regularly books train tickets for family vacations, this IRCTC credit card can help you maximize savings on eligible railway bookings. In this detailed SBI IRCTC RuPay Credit Card Review 2026, we'll cover the latest features, annual fee, reward points, eligibility, charges, pros and cons, and whether it's worth applying this year.
Apply for SBI IRCTC RuPay Credit Card
Ready to earn rewards on your railway bookings?
If the SBI IRCTC RuPay Credit Card matches your travel and spending habits, you can proceed with your application using the official application page.
SBI IRCTC RuPay Credit Card Features :
| Feature | Details |
|---|---|
| Card Network | RuPay |
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹300 + GST |
| Welcome Benefit | Reward Points on eligible spending |
| Reward Rate | Up to 10X Reward Points on IRCTC bookings |
| Fuel Surcharge Waiver | Available at eligible fuel stations |
| Contactless Payments | Yes |
| UPI on RuPay | Supported |
SBI IRCTC RuPay Credit Card Benefits :
1. Reward Points on Railway Bookings
Earn accelerated reward points whenever you book train tickets through the IRCTC website or mobile application.
2. Welcome Benefits
New cardholders receive welcome reward points after meeting the spending criteria.
3. Fuel Surcharge Waiver
Enjoy a fuel surcharge waiver at eligible petrol pumps across India.
4. Contactless Payments
Make secure and faster payments using RuPay's contactless technology.
5. UPI Payments
Link your RuPay Credit Card with supported UPI apps to make QR-code payments while earning eligible rewards.
Also Read: SBI Cashback Credit Card
SBI IRCTC RuPay Credit Card Rewards :
- 10X Reward Points on IRCTC bookings
- Reward Points on everyday purchases
- Redemption options through SBI Card Rewards
SBI IRCTC RuPay Credit Card Charges :
- Joining Fee: ₹500 + GST
- Annual Fee: ₹300 + GST
- Interest Charges: As per SBI Card policy
- Late Payment Charges: Applicable according to outstanding balance
Always check the latest fee schedule before applying.
SBI IRCTC RuPay Credit Card Eligibility
Applicants generally should:
- Be an Indian resident
- Be at least 21 years old
- Have a stable source of income
- Maintain a good credit score (preferably 750+)
Approval depends on SBI Card's internal policies.
SBI IRCTC RuPay Credit Card Documents Required
- PAN Card
- Aadhaar Card UIDAI (Aadhaar)
- Address Proof
- Income Proof
- Passport-size Photograph (if required)
Pros
- Excellent for frequent railway travelers
- Affordable annual fee
- Accelerated rewards on IRCTC bookings
- Fuel surcharge waiver
- UPI support with RuPay
Cons
- Limited travel benefits outside railway bookings
- Reward rate is lower for non-IRCTC spending
- Foreign travel benefits are limited
Also Like: Popular Credit Cards in India 2026
Who Should Apply?
The SBI IRCTC RuPay Credit Card is ideal for:
- Frequent train travelers
- Students and working professionals
- Government employees
- Families who regularly book railway tickets
- Budget-conscious travelers
Final Verdict
The SBI IRCTC RuPay Credit Card offers excellent value for people who frequently travel by train. With accelerated reward points on railway bookings, affordable annual fees, and RuPay UPI compatibility, it is a strong choice for Indian railway passengers.
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