SBI Card IRCTC RuPay Credit Card
SBI Cards · RuPay
Why this card?
- 4% back in reward points on travel at IRCTC; 0.8% on other spends
- ₹500 joining and annual fee
- 2 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- RuPay
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 4% on travel at irctc
- Forex Markup
- 3.5%
- Domestic Lounge
- 2/yr
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
SBI IRCTC RuPay is a specialised card for frequent train travellers booking AC class via IRCTC. IRCTC AC-class tickets earn 10% value back as reward points in the 15 Jan–31 Mar and 15 Jul–15 Sep windows, and 4% for the rest of the year. The RuPay variant adds UPI functionality. At ₹500/year, the fee is easy to recover for regular AC-class travellers.
Pros
- Up to 10% value back on AC IRCTC bookings in two seasonal windows, and 4% the rest of the year
- RuPay with UPI functionality for everyday payments
- ₹500 fee is easy to recover with regular rail spend
- Fuel surcharge waiver included
Cons
- Low base reward rate (0.8%) on non-IRCTC spends
- Lounge benefit covers railway lounges, not airport lounges
- RuPay not accepted internationally
- No lifestyle perks beyond the railway lounge benefit