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The SBI IRCTC RuPay credit card is a co‑branded travel card from State Bank of India and IRCTC, available now via Airtel Finance. Built on the RuPay network, it rewards frequent train travellers with IRCTC SBI Card Premier-level benefits: earn reward points on every booking, enjoy complimentary lounge access, and save on fuel. For a premium upgrade, explore the SBI IRCTC Credit Card variants. Check your credit card eligibility on Airtel Finance and apply in minutes – you’ll need only basic KYC and income documents. Start earning valuable points for your next journey.
When you sign up for the IRCTC SBI Card Premier, you'll be welcomed with a host of exciting benefits:
In addition to the welcome benefits, the IRCTC Rupay SBI Card offers a plethora of other advantages:
| Fee/Charge | Amount |
| Joining Fee | Rs. 500 + GST |
| Renewal Fee | Rs. 300 + GST per year |
| Late Payment Fee |
Rs. 0 - Rs. 500: Nil Rs. 501 - Rs. 1,000: Rs. 400 Rs. 1,001 - Rs. 10,000: Rs. 750 Rs. 10,001 - Rs. 25,000: Rs. 950 Rs. 25,001 - Rs. 50,000: Rs. 1,100 Rs. 50,001 and above: Rs. 1,300 |
| Foreign Currency Markup | 3.5% per foreign conversion |
| Reward Redemption Fee | Rs. 99 |
Applying for the IRCTC SBI RuPay credit card through Airtel Finance is straightforward. First, visit the credit card section on the Airtel App or website. Select the IRCTC RuPay credit card and tap ‘Apply Now’. Fill in your personal, employment, and income details. Upload scanned copies of your PAN, [Aadhaar Redacted], and latest salary slip or ITR as required documents. Submit the form; SBI Card will process your application and, upon approval, dispatch the card to your registered address. The entire application process is digital and quick.
Get your IRCTC RuPay SBI Card ready for use by following the activation steps below. You’ll need your card and registered mobile number.
Log in to the SBI Card website or mobile app right after receiving your card and follow the on‑screen prompts to complete the activation process.
Make a retail purchase of at least ₹500 within 45 days (fuel and cash spends excluded) to unlock your 350 bonus points.
Customer Support: If any issue arises, call the SBI Card helpline at 1800 180 1295 (BSNL/MTNL) or 39 02 12 12 (other numbers) for assistance.
The IRCTC Rupay SBI Card offers a rewarding experience for cardholders, allowing them to accumulate points and redeem them for railway ticket bookings. Here's how you can redeem eligible points:
Earn 1 reward point for every Rs. 125 spent on retail transactions. Link your IRCTC SBI Card loyalty number with your IRCTC login ID to get started.
Redeem points through the IRCTC website or mobile app (Android only). Each point is worth Re. 1 for ticket fare savings (Note: Points cannot be redeemed via Shop n Smile).
By understanding the reward point system and following these simple steps, you can maximise the benefits of your SBI Card RuPay credit card and enjoy significant savings on your railway journeys with this credit card.
