SBI Card
Classic · IRCTC RuPay
IRCTC SBI RuPay Credit Card
SBI Card
Earn reward points on railway bookings with complimentary railway lounge access
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,410
Total Annual Benefits
₹3,000
Total Annual Charges
₹590
ROI
408%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (2)
1 Reward Point per ₹125 on All Spends
Earn 1 reward point per ₹125 on all retail spends
1 RP per ₹125
UPI Payments via RuPay
Make UPI payments using your credit card on the RuPay network
- • Only available on RuPay network
UPI enabled
Travel Benefits (1)
Railway Lounge Access
4 complimentary railway lounge visits per year at select stations (1 per quarter)
- • Available at select railway stations
- • 1 visit per quarter
4 visits/year
₹6,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹125
Effective cashback: 0.20%
Points expire: 2 years from date of accrual
Redemption Options
- → IRCTC railway bookings
- → Products & Vouchers (1 RP = ₹0.25)
- → Cashback (1 RP = ₹0.20)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding 18% GST |
| Annual Fee | ₹500 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
0 0 0
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability cover up to ₹1 Lakh
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹1,500/visit
International
0 visits/year
N/A
- • Railway lounge access at select stations (1 per quarter)
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
UPI payments via RuPay Contactless payments EMV chip security Add-on cards available EMI conversion facility Railway lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IRCTC SBI RuPay Credit Card is a co-branded travel card offering 1 reward point per ₹125 on all spends with complimentary railway lounge access at...
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