Sbi credit card
Cards For You
Corporate Cards
Paynet- Pay Online
Track Application
Forms Central
Contact Us


The IRCTC SBI Card is an internationally valid Co-branded credit card brought to you by SBI Card, India's leading credit card issuer and IRCTC (Indian Railway Catering and Tourism Corporation Limited). The Card, especially designed by renowned cartoonist R K Laxman, has been specially created for you, keeping in mind your discerning needs and tastes in travel and lifestyle. The card brings you a fine blend of Pure benefits and privileges, including 10% Value back on your AC ticket fare (except 3 AC) as reward points, reward points  on retail (non-fuel) spends, transaction fee waiver (exclusive of GST and other charges) on railway ticket booking, unique offers on travel, dining & other entertainment options and much more.

Bonus Reward Points

Apply now and earn 350 Activation Bonus Reward Points on a spend of Rs 500 or more within 45 days of card issuance.

Exclusive Value Back Benefits

•  Upto 10% Value Back on AC1,AC2, AC CC booking as Reward Points for your ticket purchases at
•  1 Reward Point for every Rs 125 spent on non-fuel retail purchases including Railway ticket purchases at
•  Redeem all your Reward Points on against railway ticket purchase(s)

1.8% Transaction Charges waiver on tickets booked on

Save 1.8% transaction charges (exclusive of GST & all other charges) every time you book your railway tickets online on with your IRCTC SBI Card.
(In case of online cancellation of any IRCTC railway ticket booked at through IRCTC SBI Card, the cardholder shall be debited 1.8% of the total refund value.)

Fuel Surcharge Waiver

IRCTC SBI Card - Get freedom from paying 2.5% fuel surcharge* across all petrol pumps. Now save money every time you tank up.
*Fuel surcharge waiver is valid for transaction amount ranging from Rs.500- Rs.3,000 (exclusive of GST and other charges)
Maximum Surcharge waiver of Rs.100 per statement cycle per credit card account.

Complimentary Personal Rail Accident Insurance of Rs. 10 Lac (Offer would be withdrawn w.e.f 01st September 2013)

IRCTC SBI Card  is a travel card and provides a complimentary personal rail accident insurance of Rs. 10 lac in the event of loss of life resulting from a train accident while travelling on a valid train ticket purchased using your IRCTC SBI Card. Complimentary insurance is valid only post payment of card fee.
ICICI Lombard Healthcare
ICICI Bank Tower
8th Floor Plot No 12,
Financial District, NanakamGuda
Gochibowli, Hyderabad
Andhra Pradesh-500032
Toll free No: 1800-2666
E-Claim Notification
CLICK HERE for detailed Insurance Terms and conditions.

Travel Offers from IRCTC

Travel offer by IRCTC on your IRCTC SBI Card
Log on to and avail the exclusive travel privileges
• Book railway tickets online from the comfort of your home
• Hotel accommodations 5000+ hotels covering 350 cities in India
• Wide range of tailor made tour packages ranging from adventure, wildlife, pilgrimage and leisure tours to various sites in India for groups and independent travelers
• Book your airline flights with IRCTC and enjoy exclusive journey through every part of India at unbeatable prices

Welcome Offers

Rs. 100 off on Cash Withdrawal - Get Rs 100 Cash back on your first ATM Cash withdrawal within 30 days of receiving the card.

Important Notice                                                                                                                                                      Terms & Conditions

Worldwide Acceptance

Your IRCTC SBI Card is a travel card and can be used in over 29 million outlets across the globe, including 3, 25,000 outlets in India. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge

Your IRCTC SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver (exclusive of GST and all other charges). Simply use your SBI Visa Credit Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purchase fuel for amounts between Rs. 500 and Rs. 3000 every time per transaction to avail this offer. Maximum Surcharge waiver of Rs. 100 per statement cycle,  per credit card account.

Cash on the Go

As an IRCTC SBI Card holder, you can withdraw cash from over 1.2 million VISA ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India.

Guaranteed Peace of Mind

IRCTC SBI Card automatically gives you complete peace of mind with our IRCTC SBI Card Customer Helpline and 24-hr VISA (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.

Utility Bill Payment Facility

With the Easy Bill Pay facility from IRCTC SBI Card you can pay bills online and be rest assured you will never ever forget paying your utility bills on time. All your utility bill payments like electricity, insurance, telephone will get paid before the due date with this facility from IRCTC SBI Card. This service comes to you absolutely free! Peace of Mind & Reward Points Guaranteed! (Refer for details)

Enhanced Power to your Family

You can share the power of your IRCTC SBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents.

Balance Transfer on low interest rates

You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your IRCTC SBI Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest. Processing Fee would be charged as applicable.


Flexipay, the easy installment plan from IRCTC SBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this on a simple phone call within 10 days of your purchase. Call the Helpline for details now!

Teledraft Facility (Easy Money Draft)

Now you can order a bank draft any time by just making a local phone call to the IRCTC SBI Card Customer Helpline. The amount of the draft will be billed directly to your IRCTC SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the IRCTC SBI Card helpline.

Credit Facility

Your IRCTC SBI Card offers great flexibility of payment. With the extended credit option, you can plan your payments against your outstanding. You can pay any amount from the minimum amount due to the total amount due outstanding as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.

Book your Railway Tickets Online

IRCTC SBI Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your IRCTC SBI Card.
All you need to do is:
1. Register free of cost on
2. Log-in with your username and password on
3. Book your ticket as per instructions on the website.
4. Make payment through your IRCTC SBI Card on the website through either of the two payment gateways which accept all VISA Cards.
Kindly note: All transactions on are governed by terms & conditions of

Convenience of Technology


No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24-hr, seven days a week.

SBI Card Alerts

SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe visit us at or call your local IRCTC SBI Card Customer Helpline.

SBI Card Online

SBI Card Online is the one place where you can virtually manage your IRCTC SBI Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM or CashPoint and winning exciting prizes on our special offers. It's all now click away. To get started, log on to and take advantage of these benefits.
SBI Card Drop Box Locator Simply
1. Type "PIN" < space > your 6 digit pin code xxxxxx
2. Send SMS to 56767
3. You will receive the list of drop boxes in your areaYes, it's that simple!
* Premium SMS charges apply


1st year Joining Fee (one time)  Rs. 500 
2nd Year onwards Annual fee (p.a) Rs. 300
Add on Card Fee(p.a.) NIL

  Extended Credit

Interest Free Credit Period 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) 
Finance Charges# Upto 3.35% p.m. (40.2% p.a.) from the transaction date
Minimum Amount due 5% of Total Outstanding (Min. Rs. 200) + GST + EMI (in case of loans)

  Cash Advance

Cash Advance Limit Upto 80% of Credit Limit ( Max. 12K / day for Gold & 15K / day for Platinum/Signature Cards
Free Credit Period  NIL
Finance Charges Upto 3.35% p.m.(40.2% p.a.) from the transaction date

  Cash Advance Fees

SBI ATMs /Other Domestic ATMs  2.5% of withdrawal amount or 300/- (WIH) per transaction
International ATMs 3% of withdrawal amount or 300/- (WIH) per transaction

  Other Charges & Fees

Cheque Pickup Rs 90/-
Cheque Bounce/Invalid Cheque 2% of  Cheque dishonor amount (Min Rs. 350, Max Rs. 500).
Statement Retrieval Rs. 100 per Statement (> 2 months old)
Chargeslip Retrieval  Rs. 225 per Chargeslip
Late Payment Charge NIL for Total Amount due from Rs.0-Rs.200;
Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500;
Rs.200 for Total Amount due greater than Rs.500 & up to Rs.1000;
Rs.350 for Total Amount due greater than Rs.1000 & up to Rs.5000
Rs.550 for Total Amount due greater than Rs.5000 & up to Rs.10,000;
Rs.750 for Total Amount due greater than Rs.10,000;
Overlimit 2.5% of Overlimit Amount (Min. Rs. 500)
Card Replacement Rs. 100
Emergency Card Replacement (When Abroad) Actual Cost (Min. $175)
Foreign Currency Transaction Conversion mark up: 3.5%  
Cash OTC Fees Rs.100


Railway Tickets - Railway Counters   Rs. 30 + 2.5% of transaction amount 
Railway Tickets** - 1.8% of transaction charges waiver (exclusive of GST & all other charges)
Petrol & all products/services sold at petrol pumps 2.5% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000 (exclusive of GST wherever applicable, & all other charges). Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account.
Payment of Custom duty 2.25% of transaction amount (Min. of Rs. 75)

All payments made for a cardholder account will be settled in the order of Minimum Amount Due , Taxes , EMI on loan plans, Fees & Other Charges, Interest Charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

Government Service Tax, as applicable, on all the above Fees, Interest & Charges.

#Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review.
* Insurance is optional and a subject matter of solicitation.
**   In case of online cancellation of any IRCTC railway ticket booked at through IRCTC SBI Card, the cardholder shall be debited 1.8% of the total refund value.

Note: Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi only.

Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.
IRCTC SBI Card Helpline
From BSNL/MTNL Lines     1800 180 1295 (Toll Free)
From All Other Lines              39 02 12 12
All information in this communication is correct as per July 2013 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at

SBI Railway Travel Card offers Travel Benefits

Spend Category
Spend Period
Yearly Spend by Credit Card (Rs.)
Railway Points Earned
(1RP = Re. 1)
Savings on
Transaction Charges @1.8% (Rs.)
Total Earning
Spends on railway ticket booking at

AC I /II / Chair Car/ Executive Chair Car Travel dates between April1-July14 and Sep16-Jan14
Travel dates between Jan 15 -Mar 31 and July 15-Sep15
AC III or Non-AC Anytime during the year
Other Retail Spends across year Spend on Fuel (2.5% Fuel surcharge waiver)
Other Spends on Hotels, Grocery, Apparel, Electronic Items etc.
Use your earnings on Railway Points and surcharge waivers to book tickets on e.g. If you have 1000 Railway Points on your SBI Railway Card, you can redeem these points against purchase of Indian Railway tickets worth Rs. 1,000 on . The figures are indicative. For detailed information visit or call SBI Railway Card Helpline. Terms and conditions apply.

Q1. How to earn Reward Points on your IRCTC SBI Card?

On Railway Ticket Spends:

a. The Cardholder must be above 18 years and below 60 years of age at the time of joining the programme. The cardholder need to be a registered user of

b. The Cardholder will have to book railway tickets at

c. The Cardholder necessarily must be one of the passengers on the ticket. Also, Reward Points will be awarded only on cardholder’s individual fare.

d. Reward Points can be earned on 1st Class AC, AC II Tier, Executive Chair Car and AC Chair Car travel only. Reward Points are not earned on AC III  Tier travel. Tickets purchases at the Passenger Reservation Syatem counters shall not entitle the cardholder to these benefits.

e. The cardholder can get upto 10% Value back on AC ticket fare (except 3 AC) as Reward Points only if:

- The railway tickets are booked online at with 11 digit Unique Reward membership number as shown on the IRCTC SBI Card.

     - The cardholder activates his/her IRCTC SBI Card by incurring a spend of Rs 500/- or more on the IRCTC SBI Card


     - By making a payment towards the IRCTC SBI Card account to clear his/her dues, within 45 days of issue of IRCTC SBI Card.

f. Reward Points shall accrue only on Base Fare of the passenger’s ticket. Reward Points shall not accrue on Reservation Charges, Superfast Charges and Other Charges or taxes, if any, included in the Total Amount Charged for the Railway Ticket.

g. Reward Points shall accrue to Cardholder’s account only 5 days after the date of journey provided the ticket has not been cancelled, advanced, postponed or modified in any manner.

Spend Category

Spend Period

Reward Points

AC I /II / Chair Car/Executive Chair Car

Travel dates between 01April-14 July and  16 Sept- 14 Jan

4 Points

Travel dates between 15 Jan -31 Mar and    15 July- 15Sep

10 Points

For your convenience

• Reward Points will always be rounded off to the lower integer
• Each Reward Point is equivalent to Re 1 of your ticket fare when redeeming these Reward Points
Please read through the following illustration to understand the accrual process:

Date of Travel

May 01,2013

August 01,2013

Award Qualification

Express Reward

Super-fast Reward

Class of Travel

AC 2 tier

AC 2 tier


Rs 2210

Rs 2210

Points calculator

4% OF Rs 2210 = 88.4

10% of Rs 2210=221

Point accrued

88 Reward points

221 Reward Points

Date of Accrual

May 06,2013

August 06,2013

On Non-Fuel Retail Purchases:

1 Reward point on every Rs 125 spent on non-fuel retail transactions including railway ticket purchases at

Q2. What is the process of redeeming Reward Points?

a) Access with your own login (username and password)

b) Choose the option to pay for your booked ticket through Reward Points at the payment gateway.

c) The Cardholder necessarily must be one of the passengers on the ticket and can redeem the Reward Points for free rail tickets for himself/herself and for their loved ones.

d) Reward Points can be redeemed in multiples of Re. 1

e) The redeemed ticket must be booked at least 5 days before the date of journey and redemption can be made only against the total ticket fare.

f) Redemption shall be allowed only if the loyalty customer has accessed the IRCTC website through his own login (username and password)

g) Once the Cardholder has accrued minimum of 500 Reward Points, he/she can also top up the Reward Points by purchasing them online at cost of Rs. 1.50 (plus taxes) per Reward point.

h) The cardholder can redeem Reward Points only for Confirmed /RAC tickets on 1st Class AC,AC 2 Tier, Executive Chair Card and AC Chair Card Travel.

i) Redemption can be made only against the total ticket cost, including service charges levied by IRCTC. The cardholder cannot redeem Reward Points for individual passenger fares.

j) If there is more than one passenger on the redeemed ticket, the cardholder will have to redeem the Reward Points equivalent to the total fare of all passengers. Part payment cannot be made for such a ticket. A separate ticket need to be booked, if the cardholder would like to redeem points only for himself/herself.

Q3. What is the value of one Reward Point?

1 Reward Point = Re. 1

Q4. What is the minimum threshold for redeeming Reward Points?

The cardholder can start redeeming the Reward Points on accrual of minimum 500 Reward Points earned through travel on tickets purchased at or 500 Reward Points earned through non-fuel retail spends on the card.

For all subsequent redemption/Reward Points purchase, the customer needs to have 300 Reward Points earned through travel on tickets purchased at or 300 Reward Points earned through retail spends on the credit card.

Q5. What is the validity of the Reward Points?

Reward Points will lapse after the expiry of three years from the date of registration of membership.
For Example: Let us suppose Account Year for Membership No 123456789 lies from 05.09.13 to 04.07.14 and points accrued during 05.09.13 to 04.07.14 is 1050, the expiry date for the points accrued during 05.09.13 to 04.07.14 would be 05.09.16 i.e. three years from the date of registration. If the member has redeemed 1000 points before 05.09.16 then the system shall expire the balance of 50 points from the membership account on 05.09.16. However, irrespective of the three year validity , Reward Points will lapse if you do not renew your membership.
For details, please refer to Terms & Conditions booklet.

Q6. Are Reward Points transferrable?

Reward Points are not transferrable and cannot be combined with the Points accrued on  any other SBI Card account.

Q7. Can the cardholder top up his/her Reward Points?

The cardholder can either buy Reward Points while booking the ticket or choose to do so even before the ticket booking process is initiated
• If there is shortfall at the time of making payment for the ticket, Click on the “Buy Reward Points “option and purchase the additional Reward Points at the cost of Rs 1.50 per Reward Point.
• Or, purchase Reward Points in advance by accessing your account online at and click on “Buy Reward Points” option on the homepage.
Note: Reward points can be purchases only when you have minimum of 500 Reward Points earned through travel on tickets booked at

Q8.  What is the process for cancellation of Complimentary Tickets?

Complimentary tickets will be permitted to be cancelled either on the counters or in the system (depending on whether they are I-tickets or E-tickets. In case of cancellation, 50% of reward points used to purchase the redeemed ticket would be forfeited. This would be over and above the existing cancellation charges by IRCTC
• On cancellation of redeemed tickets, only Reward Points would be credited back and not cash
• Please retain your original tickets till the mileage credit appears on your mileage statement. Report all omissions/discrepancies online at
• In case of loss of redeemed ticket, a duplicate ticket shall be issued according to the then applicable rules of Indian Railways

Q9. What will happen to the Reward Points, in case the cardholder forgets to pay the renewal fees?

IRCTC, as a special privilege, extends a grace period of ninety days from the date of expiry of the membership for payment of renewal fees for an account .During this period though accrual of Reward Points ahll be permitted, no redemption of Reward Points can be availed, After the expiry of this grace period and non-payment of renewal fees, the account expires and Reward Points shall lapse permanently.

Q10. Does a cardholder earn Reward Points for mobile booking too?

No. the cardholder will not be eligible for Reward Points on tickets booked on mobile.

Q11. The total amount debited to the credit card is more than the actual fare amount, but why are the Reward Points are getting accrued for only the fare amount?

There are courier/delivery charges levied for tickets booked on IRCTC website. This may be upto Rs. 60 per ticket. There is also a 1.8% transaction fee + GST on credit card transactions on IRCTC. However, Reward Points accrue only on the ticket fare.

Q12. In case the cardholder forgets to quote the Unique Reward membership number for ticket booking, can he/she get the Reward points later by quoting the number?

No, the cardholder must mention the membership number at the time of booking the tickets to avail the benefits.

Q13. Can redemption be made against part fares?

No, redemption can be made only against full fare of ticket, inclusive of all the passengers and service charges by IRCTC.

Q14. Are the reward points awarded on discounted tickets? Will the cardholder get Points on concessional tickets?

No, Reward Points will not be awarded on concessional tickets, including ticket for senior citizens. No Reward Points will be awarded for voucher transactions like Military warrants, PTO’s etc

Q15. Can the expired account be reinstated?

No, cardholder will get a new registration at and will also have to pay the subscription fee of Rs. 500 (Service Tax Extra) to SBICPSL for the same.

footer logo About Us | Disclaimer | Fair Practice Code | Credit Bureau FAQs | SBI Group | Privacy Policy | Order of Payment Settlement | Usage Agreement

Registered Address: SBI Cards & Payment Services Private Limited
Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034