Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
Avail 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases on irctc.co.in and IRCTC Mobile App
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Enjoy the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Get accommodation at over 5,000 hotels, covering 350 cities in India
1% fuel surcharge across all petrol pumps in India on transactions between Rs. 500 and Rs. 3,000
IRCTC SBI Card (on RuPay platform) provided great offers on travel, golf, dining and other entertainment options from RuPay
4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
Withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India
Transfer outstanding balance of other bank’s credit card to IRCTC SBI Card (on RuPay platform) to avail a lower rate of interest and pay back in EMIs
With Flexipay facility, convert transactions in easy monthly installments. Simply transact Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
Use IRCTC SBI Card (on RuPay platform) to book railway tickets online and get them delivered to you
Welcome/Renewal Benefit:Earn 500 Cash Points, this is applicable only on the payment of the membership fee
Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
Get 5X CashPoints on EMI spends at merchant locations
Get 2 CashPoints per Rs. 150 spent on other spends
Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
Zero lost Card liability
You can enjoy an interest-free period of up to 50 days from the date of your purchase
Enjoy Revolving Credit at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
Convert your big spends into EMI after purchase
The card is enabled for contactless payments
Editor's Review
Pros
4 complimentary railway lounge access in a quarter to participating lounges in India
Bonus Reward Points to be credited to the IRCTC SBI Card (on RuPay platform) account within 45 days of eligible transaction
Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
Cons
No golf benefits
No complimentary airport lounge access
Pros
Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends
Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Cons
No golf benefits are provided
No airport lounge access
More comparisions with IRCTC SBI Card on RuPay Platform