IRCTC SBI Rupay Credit Card

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.

Get Your Credit Card Now

Fees and Charges of the IRCTC Rupay SBI Credit Card

Type of Fee	Amount
Annual Fee	Rs.500
Renewal Fee	Rs.500
Add-On card fee	Nil
Cash advance fee	2.5% of the amount withdrawn or Rs.500 (Domestic ATMs) 2.5% of the amount withdrawn or Rs.500 (International ATMs)
Finance Charges	3.75% per month (45% per annum)
Payment dishonour fee	2% of the payment amount; minimum of Rs. 500
Cash payment fee	Rs.250
Late payment	From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Cheque payment fee	Rs.100
Over limit fee	2.5% of the over limit amount; minimum of Rs.600
Rewards redemption fee	Rs.99
Foreign currency transaction	3.50%

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 Licence	Passport
-	-	Aadhaar Card

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

Get Your Credit Card Now

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>

FAQs on IRCTC Rupay SBI Credit Card

• 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.

• Is there any over limit fee for this credit card?

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

• How can I earn the welcome bonus with the IRCTC SBI RuPay Credit Card?

  To receive the 350 activation bonus Reward Points, you must make a single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and cash transactions are not eligible. The bonus points will be credited within 45 days of meeting this condition.

• What are the milestone benefits associated with this credit card?

  Cardholders earn 500 Reward Points upon payment of the renewal fee, which adds additional value to continued usage of the card.

• How can I maximise my rewards on railway ticket bookings?

  When booking AC1, AC2, AC3, Executive Chair Car, or Chair Car tickets through irctc.co.in or the IRCTC Mobile App, you can earn up to 10% Value Back as Reward Points. Additionally, you earn 1 Reward Point for every Rs. 125 spent on railway ticket purchases.

• What travel-related perks does the IRCTC SBI RuPay Credit Card offer?

  Cardholders can save 1% on transaction charges for railway ticket bookings on irctc.co.in and access exclusive travel deals, including airline ticket bookings at competitive prices and customised travel packages for adventure, wildlife, pilgrimage, and leisure tours across India.

• What is the fuel surcharge waiver available on this card?

  Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at any petrol pump in India (exclusive of GST and other charges). The maximum waiver per statement cycle is Rs. 100.

• How does the complimentary railway lounge access work?

  Cardholders receive four complimentary railway lounge visits per year (one per quarter) at participating lounges in India. The offer is available only to primary cardholders, and access must be availed using the IRCTC SBI RuPay Credit Card.

• What are the fees and charges applicable to this credit card?

  The card has an annual fee of Rs. 500, with a renewal fee of Rs. 500. Finance charges are 3.75% per month, and cash advances incur a fee of 2.5% of the withdrawn amount or Rs. 500 (whichever is higher). Other applicable charges include a late payment fee based on the outstanding balance, a foreign currency transaction fee of 3.50%, and a Rs. 99 fee for rewards redemption.