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SBI IRCTC Rupay Credit Card Offers
India’s best card for railway bookings—SBI IRCTC RuPay gives...
Flat ₹1400 Rewards
on Credit Card Activation
SBI IRCTC Rupay Credit Card Benefits
1Best card for IRCTC Bookings in India
210% back on AC IRCTC bookings
34 complimentary railway lounge visits/year
4UPI payments + RuPay offers built-in
51% IRCTC transaction charge & 1% fuel surcharge waived
Important Timelines
Important Terms & Conditions
- If you currently hold or have ever held an SBI Credit Card, you are not eligible for CashKaro Rewards
- A minimum transaction of ₹100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the CashKaro Rewards
- Please use Aadhaar linked Mobile number to fill the Application
Rewards Rates
How to Get This Offer?
Eligibility Criteria
- Age: 21 to 65 years
- Employment: 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
Fees & Charges
- Annual Fee-Rs. 500+GST
- Renewal Fee Rs. 500 + GST from second year onwards
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
Steps to Apply
- Click on the orange button
- You will be redirected to the SBI Bank Credit Cards page
- Complete the application in the same session
Terms & Conditions
SBI IRCTC Rupay Credit Card Benefits
1Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
21 Reward Point per ₹125 on other retail spends (~0.8% return rate)
34 complimentary railway lounge visits per year (1/quarter)
4Welcome Bonus: 350 Reward Points on first spend ≥₹500 (within 45 days of card issuance)
5Renewal Bonus: 500 Reward Points on fee payment (offsets ₹500 fee)
61% IRCTC transaction charge waiver on e-ticket bookings
71% fuel surcharge waiver on ₹500–₹3,000 transactions (max ₹100/month)
8RuPay Network: UPI enabled + eligible for RuPay/UPI offers
9Joining Fee: ₹500 + GST, partially offset by 350 welcome Reward Points (~₹350 value)
10Pay ₹500 as Renewal fee, Get 500 Reward Points – Renewal Made Free!
Rewards Tracking Timeline
Your Rewards are added once the bank sends us the application completion report. This takes up to 72 hours after you complete the card application.
Rewards Confirmation Timeline
Once your card is activated, the bank shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the card.
Accept App Orders?
Orders placed on SBI IRCTC Rupay Credit Card app are eligible for Rewards
Accept App Orders?
Orders placed on SBI IRCTC Rupay Credit Card app are not eligible for Rewards