SBI Card IRCTC
by SBI Card · Data verified 2 days ago
Railway focused card with 10% value back on IRCTC bookings
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10% on IRCTC
- Railway lounge access
- Transaction fee waiver
Things to Consider
- Limited to railways
- Basic other benefits
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel - IRCTC BONUS | 10 pts/₹100 | 10% value-back on IRCTC bookings |
| Dining BONUS | 5 pts/₹100 | 5 RP per ₹100 |
| Shopping | 1 pts/₹100 | 1 RP per ₹100 |
| Fuel | — | 1% fuel surcharge waiver |
Fuel Savings
₹100/mo
Lost Card Cover
₹100,000
Add-On Card
Free
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •Reward points earned on all eligible purchases
- •Contactless (tap-and-pay) enabled
Travel
- •10% on IRCTC
- •Free transaction on IRCTC
- •Up to 10% value back on AC1, AC2, AC3, Executive Chair Car on IRCTC
- •1% IRCTC transaction charge waiver on railway ticket bookings
Special Offers & Features
- •10% reward points value back on IRCTC train bookings
- •Rs.350 transaction charge waiver on IRCTC quarterly
- •1% fuel surcharge waiver
- •Annual fee reversal on Rs.50,000 spend
- •1% of refund amount debited on IRCTC ticket cancellation
EMI Options
- •Flexipay EMI on purchases above Rs.2,500
- •Tenure: 6, 9, 12, 18, 24 months
- •Interest rate: 13-24% p.a.
- •No-cost EMI at select online and retail partners
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to SBI Card's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on SBI Card IRCTC
Apple
Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.
MakeMyTrip
Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.
Yatra
Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.
Reliance Digital
Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.
Croma
Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.
Frequently Asked Questions
Everything you need to know about SBI Card IRCTC
- • Min age: 21 years
- • Salaried: ₹20,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 680+ recommended
- • Instant: Pre-approved SBI Card customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for SBI Card IRCTC today and unlock amazing rewards and premium experiences.
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