Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IRCTC SBI Rupay Credit Card

    The IRCTC Rupay card launched in collaboration with the State Bank of India is a travel credit card which is specially curated for the regular travellers by railways. This credit card offers a wide range of benefits under the category of travel in terms of accelerated points and also benefits under other categories such as fuel surcharge and lounge benefits. The card comes with an annual fee of Rs.500 and an interest rate of 3.50% per month.

    Key Highlights of the IRCTC Rupay SBI Credit Card

    • 350 activation points given on the first transaction of Rs.500 or above.
    • 10% ValueBack as reward points on ticket bookings through IRCTC.
    • 1% transaction charges waivered on bookings from IRCTC.
    • 1% fuel surcharge waiver.

    Features and Benefits of the IRCTC Rupay SBI Credit Card

    Welcome Benefits
    • 350 reward points given on the first purchase made of Rs.500 or more.
    ValueBack Benefits
    • Earn 10% ValueBack as reward points on booking AC1, AC2, AC3 and AC Chair Car tickets from irctc.co.in.
    • For every Rs.125 spent, get 1 reward point for other retail expenses (fuel excluded).
    Travel Benefits 1% transaction charges on IRCTC bookings will be waivered.
    Lounge Benefits 4 complimentary railway lounge access in a year. You can get 1 visit every quarter.
    Fuel Surcharge Benefits
    • 1% fuel surcharge will be waivered.
    • A maximum waiver of Rs.100 given per statement cycle.

    IRCTC Rupay SBI Credit Card Limit

    The credit limit of the IRCTC Rupay SBI card will be assigned at the discretion of the bank. The State Bank of India will be considering several factors before the credit limit is assigned such as the credit score of the primary applicant, the credit report, the credit utilisation ratio along with the repayment habits of past and ongoing debts.

    Fees and Charges of the IRCTC Rupay SBI Credit Card

    Type of Charge Fee
    Joining Fee Rs.500
    Annual Fee Rs.300
    Credit card finance charge 3.5% on all unsecured SBI Credit Cards (except Shaurya)
    Minimum amount due each month 5% of total outstanding amount or Rs.200 + taxes, whichever is higher
    Interest fee period 20 to 50 days
    Finance charge on cash advance For domestic cash withdrawal, a fee of 2.5% or Rs.500 (whichever is higher)
    Statement retrieval Rs.100 per statement – for statements more than 2 months old
    Late Payment Fee
    • Up to Rs.500 Nil
    • Rs.501 to Rs.1,000-400
    • Rs.1001 to Rs.10,000-750
    • Rs.10,001 to Rs.25,000-950
    • Rs.25,001 to Rs.50,000-1,100
    • More than Rs.50,000-1,300
    Over limit fee 2.5%
    Card replacement fee – domestic Rs.100 to Rs.250

    Eligibility Criteria for the IRCTC Rupay SBI Credit Card

    The eligibility criteria of a credit card are dependent on a range of factors. Check out the primary eligibility criteria for credit cards.

    Employment status The primary applicant must be either be salaried or self-employed with a steady source of income.
    Nationality He or she must be a citizen of India or a non-resident Indian.
    Age The applicant must be least 18 years old.
    Credit Score A good CIBIL score is a major factor in getting the card application approved.
    Income The applicant must be a salaried employee or self-employed with a steady source of income.

    Documents Required for the IRCTC Rupay SBI Credit Card

    Income Proof Identity Proof Proof of Address
    Form 16 Aadhaar Card Ration Card
    IT Returns Voter ID Voter ID
    Salary Slips Driving License Passport
    - - Aadhaar Card

    The documents mentioned above can change depending on the bank. Some banks may ask for additional documents depending on the requirement.

    IRCTC Rupay SBI Credit Card FAQs

    1. Is the IRCTC Rupay SBI Credit Card equipped with contactless technology?

      Yes, the credit card is contactless and can be waivered over the card reader to record a transaction.

    2. Is there a waiver for the renewal fee of the IRCTC Rupay SBI Credit Card?

      No, there is no waiver for the renewal fee. The renewal fee of the card is Rs.300.

    3. Is there any over limit fee for this credit card?

      Yes, you have to pay an over limit fee of 2.5%.

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