Train travel
IRCTC SBI Credit Card
A low-fee card for train travellers: about 8% back on AC tickets booked on IRCTC, a lower IRCTC transaction charge and 4 railway lounge visits a year.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverNone (500 bonus points on renewal)
Top rewardAbout 8% on IRCTC AC tickets
Lounge4 railway lounges a year
Forex markup3.5%
Best for: Families who book AC train tickets on IRCTC several times a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| AC train tickets on IRCTC website or app | 10 points per ₹125 (about 8%) | – |
| Other spends | 1 point per ₹125 | – |
| Fuel, rent, government, wallet loads, cash | Nothing | – |
- Points move to your IRCTC account, where 1 point = ₹1 off train tickets.
- As statement credit or catalogue, a point is worth only ₹0.25.
Benefits
Welcome benefit
- 350 points on a single spend of ₹500 or more within 60 days.
Milestones
- 500 points when you pay the renewal fee.
Travel and lounges
- 4 railway lounge visits a year (1 a quarter), primary card only.
- 1% saving on IRCTC transaction charges.
Fuel and forex
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹100 a cycle.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹500 + GST (₹590) |
|---|---|
| Annual fee | ₹500 + GST, no spend waiver |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- High return on AC train tickets
- Points worth ₹1 on IRCTC
- Railway lounge access
Watch out for
- Only AC classes earn the top rate
- Weak rewards elsewhere
- No fee waiver
Recent changes
- 1 Apr 2026Statement credit redemption capped at 60,000 points a month.
- 1 Nov 20251% fees on third-party education payments and wallet loads over ₹1,000.
Frequently asked questions
How do I use IRCTC SBI points?
They transfer to your IRCTC account automatically and can be used at ₹1 per point on train bookings.
Ready to apply for the IRCTC SBI Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.