SBI IRCTC

IRCTC SBI Credit Card is a co-branded travel credit card offered by SBI Card in partnership with IRCTC. It is specially designed for railway travelers, offering value back on train ticket bookings along with lounge access and reward benefits.

✔️ Applicant must be an Indian resident or NRI (as per bank policy)
✔️ Age: 21 to 70 years
✔️ Salaried or self-employed individual
✔️ Stable income source
✔️ Good CIBIL score (750+ preferred)

✔️ Joining Fee: ₹500 + GST
✔️ Annual Fee: ₹500 + GST
✔️ Interest Rate: Up to ~3.5%–3.75% per month
✔️ Cash Advance Fee: 2.5% (min ₹500)
✔️ Fuel Surcharge Waiver: 1% (₹500–₹3,000 transactions)
✔️ Late Payment Charges: As per SBI Card policy

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof (Aadhaar / Voter ID / DL etc.)
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Bank Statements (last 3–6 months)
✔️ Passport-size photographs

Q1. What is the main benefit of IRCTC SBI Credit Card?
Ans. It offers up to 10% value back on railway ticket bookings via IRCTC.

Q2. Is there any transaction charge waiver?
Ans. Yes, 1% transaction charge is waived on IRCTC bookings.

Q3. Does it provide lounge access?
Ans. Yes, 4 complimentary railway lounge visits per year are provided.

Q4. How are reward points redeemed?
Ans. Reward points can be redeemed on IRCTC website or mobile app.

Q5. Who should apply for this card?
Ans. Frequent train travelers who book tickets via IRCTC.