IRCTC Rupay SBI Credit Card
Joining Fee: ₹500 + GST
Renewal Fee: ₹300 + GST
Category: Reward Points
Welcome Benefits
350 Bonus Reward Points: Earn upon making your first transaction of ₹500 or more within 45 days of receiving the card (excluding fuel or cash transactions).
₹100 Cashback: On your first ATM cash withdrawal within the first 30 days. Points credited within 45 days of the transaction.
Rewards Program
Standard Rewards: 1 reward point per ₹100 spent on retail and railway ticket bookings via IRCTC.
Value Added Rewards: Up to 10% value back in reward points for AC1, AC2, AC3, and AC CC tickets booked through the IRCTC website or Android app. Points transferred to IRCTC Loyalty Account.
Travel Benefits
Railway Lounge Access: 4 domestic lounge visits per year (1 per quarter) through Railway Lounge Program.
Ticket Booking Discount: Save 1% on transaction charges for railway tickets booked via IRCTC’s website.
Custom Tour Packages: Access to tailored tour packages on the IRCTC website.
Note: You can use with Google Pay, PhonePe, and other UPI applications.
Fuel Surcharge Waiver
1% Waiver: On transactions of ₹500-₹3000 at all fuel stations. Maximum waiver of ₹100 per statement cycle.
Additional Features
Flexipay: Convert transactions of ₹2500 and above into monthly installments.
Easy Money: Draft or cheque delivery against your cash limit at your doorstep.
Balance Transfer: Transfer balances from other banks and pay through easy EMIs at a lower interest rate.
Summary
The IRCTC RuPay SBI Credit Card is an excellent option for those who frequently travel by train. In addition to its railway-specific benefits, it offers attractive rewards and savings. Key features include free access to railway lounges and hotel stays at over 5000 locations across India, making it a great choice for regular travelers seeking added perks and convenience.