Credit Card

IRCTC Rupay SBI Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

IRCTC Rupay SBI Credit Card: HDFC Bank and Paytm has resulted in a dynamic co-branded offering that seamlessly integrates HDFC Bank’s banking services with Paytm’s expansive digital payment platform. This synergistic partnership aims to redefine the user experience by providing a comprehensive suite of services tailored to modern consumers’ evolving needs.

At the core of this co-branded offering are features designed to enhance convenience and accessibility for users. By leveraging Paytm’s digital payment ecosystem, users can effortlessly conduct a wide range of transactions, including bill payments, mobile recharges, and online purchases, all within the familiar HDFC Bank interface. This integration not only streamlines the payment process but also empowers users with greater flexibility and control over their finances.

Moreover, the co-branded offering incentivizes users with attractive rewards and benefits. From cashback and discounts to bonus reward points, users can unlock various perks tailored to their spending habits. These incentives not only add value to each transaction but also foster long-term engagement and loyalty among users. Additionally, enhanced security measures, including two-factor authentication and real-time transaction monitoring, ensure that users can transact with confidence, knowing that their financial information is safeguarded against potential threats.

Fees Joining Fee-  Rs.  500 + GST
Renewal Fee- Rs.  500 + GST
Best Suited For


Reward Type Reward Points
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.

Rewards and Benefits

  • Earning Rewards: For every expenditure of Rs. 125 or more, earn 1 Reward Point, enriching your experience with every swipe.
  • Reward Redemption: Accumulated Reward Points seamlessly credit to your IRCTC Rupay SBI Credit Card, opening doors to a realm of possibilities.
  • Movie & Dining Delights: Enjoy the perfect movie and dining experience with enticing offers and discounts at leading cinemas and restaurants nationwide.
  • Travel in Style: Embark on journeys filled with luxury and convenience. Avail complimentary railway lounge access every year through the Railway Lounge Program and relish accommodation privileges at over 5000 hotels spanning across 350+ cities in India.
  • Domestic Lounge Access: Make your travel moments even more memorable with 4 complimentary domestic railway lounge accesses annually, ensuring a tranquil start to your journeys.
  • International Lounge Access: Your gateway to global adventures with exclusive international lounge access, granting you moments of relaxation and comfort wherever your travels take you.
  • Insurance Benefits: Shield yourself against uncertainties with comprehensive insurance coverage tailored to your needs, ensuring peace of mind during your travels and everyday life.
  • Zero Liability Protection: Rest easy knowing you’re safeguarded against fraudulent transactions. In the unfortunate event of card loss or theft, zero liability protection ensures you’re not held accountable for unauthorized usage.

Fees & Charges

  • Rewarding Your Spends: Every transaction above Rs. 125 earns you 1 Reward Point, making each purchase a step towards exciting rewards.
  • Seamless Rewards Redemption: Experience convenience with Reward Points seamlessly credited to your IRCTC Rupay SBI Credit Card, ensuring effortless redemption for a plethora of exciting offers.
  • Enticing Fuel Benefits: Enjoy the open road without worries. Avail a 1% fuel surcharge waiver at all petrol pumps across India for transactions ranging from Rs. 500 to Rs. 3,000, with a maximum waiver of Rs. 100 per statement cycle.
  • Global Convenience, Local Comfort: Whether you’re exploring foreign shores or embracing the charm of local hospitality, benefit from a competitive foreign currency markup of 3.5% per foreign conversion, ensuring seamless transactions worldwide.
  • Peace of Mind with Zero Liability: Bid farewell to worries about fraudulent transactions. With our zero liability protection, you’re safeguarded against unauthorized usage, ensuring your peace of mind.
  • Exclusive Travel Privileges: Embark on journeys filled with luxury and comfort. Enjoy complimentary railway lounge access and indulge in accommodation privileges at over 5000 hotels across 350+ cities in India, making every travel experience memorable.
  • Effortless Financial Management: Experience financial flexibility with an attractive interest rate of 3.5% per month (42% per annum), ensuring your financial journey is as smooth as possible.
  • Accessible Cash Advances: In times of need, access cash effortlessly with cash advance charges as low as 2.5% or Rs. 500 (whichever is higher), providing you with financial assistance whenever required.
  • Reward Redemption Fee: Unlock the full potential of your rewards with a nominal redemption fee of Rs. 99, ensuring your rewards are within easy reach.
  • No Hidden Charges: Experience transparency and reliability with nil spend-based waiver and add-on card fees, ensuring you enjoy the full spectrum of benefits without any hidden costs.

Product Details

  • Earn 1 Reward Point for every Rs. 125 spent on retail transactions, including purchases made on the IRCTC Website or IRCTC mobile app for railway tickets.
  • Receive a welcome gift of 350 bonus reward points upon making a transaction exceeding Rs. 500 within 45 days from the card activation date.
  • Enjoy up to 10% value back as reward points when purchasing AC1, AC2, AC3, and AC CC tickets through IRCTC.
  • Benefit from 4 complimentary railway lounge accesses annually.
  • Avail a 1% transaction charge waiver on railway ticket bookings made through IRCTC.

IRCTC Rupay SBI Credit Card Rewards

IRCTC RuPay SBI Credit Card, a powerhouse of benefits tailored for railway enthusiasts and frequent travelers alike. With a plethora of rewards and travel perks, this card is designed to enhance your journey every step of the way.

Welcome Benefits

Begin your credit card journey with a bang! Receive 350 bonus reward points as a welcome gift on your first transaction exceeding Rs. 500, excluding fuel or cash spends, within 45 days of receiving the card. Additionally, enjoy an assured cashback of Rs. 100 on your first ATM cash withdrawal within the initial 30 days, making your introduction to the card truly rewarding.

Value Added Rewards

 Unlock exclusive rewards as you book your railway tickets through the IRCTC website or mobile app for Android. Earn up to 10% of the ticket value back as reward points when booking AC1, AC2, AC3, and AC CC tickets, with points seamlessly transferred to your IRCTC Loyalty Account for easy redemption.

Travel Benefits

Immerse yourself in luxury and convenience with access to 4 domestic railway lounges every year through the Railway Lounge Program, ensuring a relaxed and comfortable journey. Enjoy the added convenience of booking airline tickets at competitive prices via IRCTC, coupled with a 1% discount on transaction charges when booking railway tickets through Explore accommodation options at over 5000 hotels across 350 cities in India, adding a touch of comfort to your travels.

UPI Spends

Experience seamless transactions with the option to link your IRCTC RuPay SBI Credit Card to your preferred UPI application such as Google Pay or PhonePe, providing you with added flexibility and convenience in managing your finances.

Fuel Surcharge Waiver

Hit the road without worrying about surcharges. Enjoy a 1% fuel surcharge waiver on all fuel transactions at any fuel station in India for transactions ranging from Rs. 500 to Rs. 3000, with a maximum waiver of Rs. 100 per statement cycle.


With its array of benefits tailored for railway enthusiasts and travelers, the IRCTC RuPay SBI Credit Card stands out as an excellent choice. Beyond its railway-centric perks, it offers enticing rewards, savings offers, and complementary railway lounge access, making it a compelling option for those seeking a credit card with numerous benefits tailored to their travel needs. If you’re looking for a card that combines travel benefits with exclusive railway privileges, the IRCTC RuPay SBI Credit Card is the perfect choice.

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