SBI IRCTC RuPay credit card

SBI IRCTC RuPay

SBI Card · Rupay

SBI IRCTC RuPay credit card earns reward points on train ticket bookings via IRCTC and supports UPI-based credit payments on the RuPay network.

Annual Fee

₹500

Waived at ₹1.0L spend

Joining Fee

₹500

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

680

₹3L+ income

Key Features

RuPay network — supports UPI credit card payments
1% cashback on IRCTC train ticket bookings
Zero transaction fee on IRCTC bookings
Earn reward points on all UPI and online spends
Access to IRCTC-linked travel benefits
Zero fuel surcharge at HPCL petrol pumps
Contactless NFC payment enabled
Interest-free credit up to 50 days

Welcome Benefits

✓

UPI Credit Card for Train Travellers

Link this RuPay card to any UPI app — earn credit card rewards on everyday UPI payments and IRCTC bookings

✓

Zero Transaction Fee on IRCTC

No card transaction charges on IRCTC — saves the usual 1–1.8% levied on other cards

Reward Rates by Category

Dining

2X

Travel

5X

Online

2X

Shopping

2X

Grocery

2X

Fuel

2X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
IRCTCTrain Tickets2X
All UPI MerchantsUPI Payments2X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹2 Lakhs

Zero Liability on Lost Card

Report promptly

100% fraudulent charges

Pros

  • Rewards on IRCTC bookings
  • Waived IRCTC convenience fee
  • UPI credit via RuPay
  • Annual fee waived on spend
  • Fuel surcharge waiver

Cons

  • Limited to IRCTC for best value
  • No lounge access
  • Low rewards on other spends

Frequently Asked Questions

Can I use this on UPI?+
Yes — RuPay credit card supports UPI. Link to PhonePe, Google Pay or BHIM and earn reward points on UPI payments.
How much on IRCTC?+
1% cashback on IRCTC train bookings, plus zero transaction fee — saving the usual charge on other cards.
Annual fee?+
₹500. Check SBI Card's current terms for waiver threshold.
Advantage over regular debit card?+
Spends on credit (50 interest-free days), earn reward points and build credit score while using familiar UPI payments.
Where is it accepted?+
All RuPay POS and QR code merchants in India, plus online merchants accepting RuPay. International acceptance may be limited.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

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SBI IRCTC RuPay

₹500/yr · 3X rewards