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IRCTC SBI Card (on RuPay platform)




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IRCTC SBI Card (on RuPay platform)

Privileges on IRCTC Rupay SBI card

Get exclusive benefits on your IRCTC Rupay SBI card

Welcome gift

Welcome Gift

  • Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.
Learn more

Welcome Gift

  • Earn ₹ 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card
  • Bonus Reward Points will be credited to the IRCTC SBI Card (on Rupay platform) account within 45 days of eligible transaction
  • 1 Reward Point= ₹ 1
Valueback benefits

ValueBack Benefits

  • Buy tickets through & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points.
Learn more

ValueBack Benefits

  • Link your IRCTC SBI Card loyalty number with your IRCTC login id to redeem your Reward Points on IRCTC Website and Mobile App (Android only).
  • Please click here for FAQ’s.
  • W.e.f. 01 Apr'21, Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (android only)
Reward Benefits

Reward Benefits

  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at and IRCTC Mobile App (Android only)
Learn more

Reward Benefits

  • The Reward Points accrued in a customer’s SBI Card account will not get credited to his / her IRCTC loyalty account if the status of the loyalty account is blocked, inactive or suspended.
Travel offers from IRCTC

Travel Offers from IRCTC

  • Save 1% transaction charges on railway ticket bookings on
  • Log on to and avail exclusive travel privileges
  • Book your airline tickets with IRCTC at unbeatable prices
Learn more

Travel Offers from IRCTC

  • Get wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India
  • Avail accommodation at over 5,000 hotels, covering 350 cities in India
Fuel surcharge waiver

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges
Learn more

Fuel Surcharge Waiver

  • Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account
Railway Lounge Program

Railway Lounge Program

  • Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
  • To avail the offer, please use your IRCTC SBI Card (on RuPay platform) at the respective lounges
Learn more

Railway Lounge Program

  • Complimentary access to railway lounges will be applicable only for primary cardholders
  • Click here for FAQs on railway lounges
    • Annual Fee (one-time): Rs. 500 + Taxes
    • Renewal Fee (per annum): Rs. 300

Calculate benefits on your IRCTC SBI Platinum Card


Know everything about IRCTC SBI Card (on RuPay platform)

Your IRCTC SBI Card (on RuPay platform) now comes with a range of features

  • Transaction Charges Waiver

      • You save 1% transaction charges, exclusive of GST and all other charges, when you book railway tickets on, using your IRCTC SBI Card (on RuPay platform)
      • In case you decide to cancel any railway ticket booked using your IRCTC SBI Card (on RuPay platform) online on, a charge of 1% of the total refund amount will be debited to your card 
      • Waiver of 1% Transaction Charges on booking of railway tickets through will be reviewed & credited as per the updated Merchant ID / Terminal ID list on monthly basis (applicable only on bookings made at and not through any IRCTC partner website).
  • Offers from RuPay

      • IRCTC SBI Card (on RuPay platform) brings you great offers on travel, golf, dining and other entertainment options from RuPay
      • SBI Card accepts no liability for the content of this offer or for the consequences of any actions taken on the basis of the offer provided, as this is being made on behalf of RuPay
  • Contactless Advantage

      • First Credit Card Live on RuPay Contactless( National Common Mobility Card).
      • Daily purchases now made easy with IRCTC SBI Platinum Card. Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
      • Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
      • Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of RuPay Contactless will ensure that only one transaction goes through, thus making it more secure.
      • Please Click here to download the FAQ’s.
      • Please Click here to download list of merchants
  • Cash on the Go

      • As a IRCTC SBI Cardholder, you can withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India. Just look for the Pulse, Discover & Diners Plus signages for sign of acceptance internationally.
  • SBI Drop Box Locator

      • Follow the below process to locate the nearest SBI Card drop box:
      • Type "PIN" < space >, your 6 digit pin code xxxxxx
      • Send an SMS to 56767
      • You will receive the list of drop boxes in your area
        Premium SMS charges apply
  • Global Acceptance

      • Your IRCTC SBI Card can be used in over 44 plus million Merchant Locations in 190 countries globally and 3.7 million terminals in India. Just look for the Pulse, Discover & Diners Plus signages of acceptance internationally and present your card for payment.
  • Empower your Family

      • Apply for add-on cards for your children, siblings above the age of 18, spouse and parents
  • Easy Bill Pay Facility

      • Use our Easy Bill Pay facility to ensure your electricity, insurance, telephone and other utility bills are paid on time
      • Click here to know more
  • Balance Transfer on EMI

      • Transfer the outstanding balance of your other bank’s credit card to your IRCTC SBI Card (on RuPay platform), and avail a lower rate of interest and pay back in EMIs
      • Log on to with your user id and password today to book Balance Transfer on EMI today
      • Click here to know more
  • Flexipay

      • With Flexipay, convert your transactions in in easy monthly installments. Just transact for Rs. 2,500 or more and log on to within 30 days of purchase to convert it into Flexipay
      • Click here to know more
  • Railway Ticket Booking

      • Use your IRCTC SBI Card (on RuPay platform) to book railway tickets online and get them delivered at your doorstep
      • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accept a Visa Card

      All transactions on are governed by the terms and conditions of

  • Fees

      • Annual Fee (one-time): Rs. 500 + GST
      • Renewal Fee (per annum): Rs. 300 + GST
      • Add-on Fee (per annum): Nil
  • Order of Payment Settlement

  • Things to know

      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.
      • The value proposition of the co-brand product may be funded jointly by SBI Card and the co-brand partner basis the financial arrangement between both the parties. Accordingly, there may be fee and revenue sharing between the two parties.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers    1800 180 1295

      From all other numbers     39 02 12 12
      Prefix your STD code if you use your mobile phone.

      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

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