Unlock Travel Benefits with IRCTC SBI Rupay Card

Overview of the IRCTC Rupay SBI Card

The IRCTC Rupay SBI Card is a unique co-branded card that brings together the strengths of the State Bank of India (SBI) and the Indian Railway Catering and Tourism Corporation (IRCTC). Designed specifically for frequent railway travellers, this credit card offers a wide array of benefits and features tailored to make your travel experience more rewarding and convenient.

As part of the Rupay domestic card payment network, the IRCTC Rupay SBI Card enables secure transactions both within India and abroad. With a credit limit ranging from Rs. 10,000 to Rs. 10 lakh, this card caters to the diverse financial needs of its users. Let's explore the various benefits and features that make this card an attractive choice for railway enthusiasts.

Benefits & Features of the IRCTC Rupay SBI Card

Welcome Benefits

When you sign up for the IRCTC Rupay SBI Card, you'll be welcomed with a host of exciting benefits:

Welcome Gift: Enjoy 350 Activation Bonus Reward Points on your first retail spend of Rs. 500 or more within 45 days of receiving the card. Please note that fuel and cash spends are excluded from this offer.
ATM Cash Withdrawal Reward: Get an assured cashback of Rs. 100 on your first ATM cash withdrawal within the first 30 days after receiving the card.

Other Benefits

In addition to the welcome benefits, the IRCTC Rupay SBI Card offers a plethora of other advantages:

Reward Points:
- Earn 1 Reward Point for every ₹125 spent on retail transactions, including railway ticket bookings through the IRCTC website or mobile app.
- Each Reward Point is equivalent to ₹1 of ticket fare when redeemed.
- Enjoy accelerated reward points, with up to 10% value back as Reward Points on AC train ticket bookings (AC1, AC2, AC3, AC CC categories).
Travel Benefits:
- Avail 4 complimentary railway lounge accesses per year (1 per quarter).
- Save 1% on transaction charges on railway ticket bookings through the IRCTC website.
- Access custom-made tour packages available from the IRCTC website.
Fuel Surcharge Waiver:
- Benefit from a 1% surcharge waiver on fuel purchases between Rs. 500 and Rs. 3,000, up to a maximum of Rs. 100 per month.
Contactless Transactions:
- The card features contactless technology, allowing for fast and secure transactions up to Rs. 5,000 per transaction.
Additional Features:
- Enjoy worldwide acceptance due to the Rupay logo.
- The card is EMV chip-enabled for added security.
- Avail utility bill payment facility, balance transfer, and flexipay options.
Hotel Accommodations:
- Gain access to accommodations at over 5,000 hotels across 350 leading cities in India.
Renewal Fee:
- The renewal fee for the card is Rs. 300 + GST per year. However, the renewal fee can be waived if your annual spend exceeds Rs. 1,00,000.

Key Highlights of the IRCTC Rupay SBI Card

Welcome Benefits: Cardholders receive 350 bonus reward points on their first retail spend of Rs. 500 or more within 45 days of receiving the card. However, fuel and cash spends are excluded from this offer.
Reward Points:
- Earn 1 Reward Point for every Rs. 125 spent on retail transactions, including railway ticket bookings through the IRCTC website or mobile app. Each Reward Point is equivalent to Re. 1 when redeeming for ticket fares.
- Get up to 10% value back as Reward Points on AC train ticket bookings (AC1, AC2, AC3, AC CC categories) through the IRCTC website or mobile app.
Travel Benefits:
- Enjoy 4 complimentary railway lounge accesses per year, with a maximum of 1 per quarter.
- Save 1% on transaction charges on railway ticket bookings through the IRCTC website.
- Avail accommodation at over 5,000 hotels across 350 leading cities in India.
Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver on fuel purchases between Rs. 500 and Rs. 3,000, up to a maximum of Rs. 100 per month.
Contactless Payments: The IRCTC Rupay SBI Card features contactless payment technology for faster and more secure transactions.

Fees and Charges of the IRCTC Rupay SBI Card

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

Eligibility of the IRCTC Rupay SBI Card

Nationality: The IRCTC Rupay SBI Card is available to both Indian citizens and Non-Resident Indians (NRIs).
Age:
- For salaried individuals, the age limit is above 21 years and below 55 years.
- For self-employed individuals, the age limit is above 21 years and below 70 years.
Documentation: Essential documents required for the application include proof of identity, address, and income. These documents must be submitted through the official portal of SBI during the application process.

Card Activation Process

To start using your new IRCTC Rupay SBI Card, you'll need to activate it first. Here's a step-by-step guide on how to do so:

Initial Steps: Upon receiving your card, log into the SBI Card website or mobile app to begin the activation process.
Welcome Bonus Activation: To qualify for the welcome bonus of 350 reward points, make a retail purchase of at least Rs. 500 within 45 days of receiving your card. Please note that fuel and cash spends are excluded from this offer.
Online Activation: Navigate through the prompts on the SBI Card website or mobile app to complete the activation process.
Customer Support: If you encounter any difficulties during activation, reach out to the SBI Card helpline for assistance. Dial 1800 180 1295 from BSNL/MTNL numbers or 39 02 12 12 from any other number.

Once your card is activated, you can start earning reward points on your purchases and redeem them for exciting benefits.

How to Redeem the Points

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 make the most of your reward points:

Reward Points Accumulation: Earn 1 reward point for every Rs. 125 spent on retail transactions, including train ticket purchases made through the IRCTC website or mobile app.
Redemption Process: To redeem your reward points, link your IRCTC SBI Card loyalty number with your IRCTC login ID. Points can be redeemed through the IRCTC website or mobile app (Android only).
Point Value: Each reward point is worth Re. 1 when redeeming them for railway ticket bookings, making it a valuable way to save on your travel expenses.
Restrictions: Please note that IRCTC reward points cannot be redeemed through the Shop n Smile Catalogue.

By understanding the reward point system and following these simple steps, you can maximise the benefits of your IRCTC Rupay SBI Card and enjoy significant savings on your railway journeys.

Other Related Pages You Might Be Interested In

SBI SimplyCLICK Credit Card	SBI BPCL Octane Credit Card	SBI Vistara Credit Card
IRCTC SBI Platinum Credit Card	IRCTC SBI Premier Credit Card	SBI Card Rewards
SBI Card Pulse Credit Card	SBI Elite Premium Credit Card	SBI Card PRIME Credit Card