Welcome Benefits :- ​You get 350 reward points on a minimum transaction of Rs. 500 within 45 days after receiving the card. You also get Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.​

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Rewards & Benefits :- 

Movie & Dining

​N/A

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Rewards Rate

1 Reward Point on every spend of Rs. 125.

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Reward Redemption

The RPs you earn are credited to your IRCTC RuPay SBI credit card.

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

NA

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Fees & Charges :- 

Spend-Based Waiver

N/A

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% fuel surcharge waiver across all petrol pumps in India for all transactions between Rs. 500 to Rs. 3,000. You can get a maximum waiver of Rs. 100 in a statement cycle.

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Cash Advance Charges

2.5% or Rs. 500 (whichever is higher)

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Product Details :- 

• Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at the IRCTC Website or IRCTC mobile app.

• Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.

• On buying AC1, AC2, AC3, and AC CC tickets through IRCTC, you get up to 10% value back as reward points.

• Get 4 complimentary railway lounge access every year.

• You can save the 1% transaction charges on your railway ticket booking through IRCTC.

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