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IRCTC RuPay SBI Credit Card Rewards

You get 1 Reward Point for every ₹100 you spend on retail purchases and railway ticket bookings through IRCTC. These Reward Points shall be valid for two years.

Value Added Rewards

You can earn up to 10% of the value back as reward points when you buy tickets through the IRCTC website & IRCTC Mobile App (for Android only) for AC1, AC2, AC3, and AC CC. Reward Points will be transferred to the cardholder’s IRCTC Loyalty Account redeemed via the IRCTC website or mobile app (android only).

IRCTC RuPay SBI Credit Card Features

Welcome Benefits

You get 350 bonus reward points as a welcome gift on your first transaction of over ₹500 if done within 45 days after receiving the card (other than fuel or cash spends).

Travel Benefits

• You get access to 4 domestic railway lounges every year (1 per quarter) through the Railway Lounge Program.
• You can book your train tickets at IRCTC at amazing prices.
• With the IRCTC SBI Platinum credit card, you can save 1% on transaction charges on railway ticket booking on IRCTC’s website.
• Custom-made tour packages, from adventure wildlife to leisure and pilgrimage across India, are available from the IRCTC Website.

UPI Spends

The IRCTC RuPay SBI Credit Card can easily be linked to the UPI application of your choice, like Google Pay, PhonePe, etc.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver on all fuel transactions across all fuel stations in India on transactions between ₹500- ₹3,000. You get a maximum surcharge waiver of Rs 100 per statement cycle.

Other Benefits and Privileges

• Convert your transactions of ₹2,500 and above into easy monthly Installments using Flexipay.
• Get a draft or cheque against your cash limit at your doorstep using Easy Money.
• Transfer the outstanding balance of other banks to your card and pay them back through easy EMIs at a lower interest rate.
• Earn renewal benefit of 500 Reward Points valued at ₹500.

Eligibility Criteria for IRCTC SBI Credit Card

For the issuance of the IRCTC SBI Platinum credit card, there are some basic eligibility criteria-

• One should be at least 18 years or above.
• Regular source of Income, whether the person is salaried or self-employed.
• One should have a decent credit score or credit history (Preferably above 700).

Review of IRCTC RuPay SBI Credit Card

Keeping all its benefits in mind, the IRCTC RuPay SBI credit card would be an excellent choice for you if you travel frequently through Railways. However, railway benefits are not the only advantage of this card; it also provides its customers with exciting rewards and savings offers. The complementary Railway lounge access provided by this card is one of the most significant reasons why you should choose the IRCTC RuPay SBI credit card. Also, it provides you with hotel accommodation at over 5000 hotels in India, which might be a thing you are looking for. If you want to have a credit card with several benefits and special benefits on Railways, you can go with the IRCTC RuPay SBI Credit Card.