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IRCTC SBI Card
A rail-travel-focused card purpose-built for frequent IRCTC bookers — 1 point per ₹125 spent everywhere (redeemable at ₹1/point), plus a 1% fee waiver specifically on IRCTC ticket bookings.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.8%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹18,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 350 bonus reward points on joining
- 1% transaction charge waiver on railway ticket bookings at irctc.co.in
Pros
- + 1% transaction fee waiver on IRCTC bookings
- + Points redeem 1:1 for ticket fares
- + Low fee and accessible eligibility
Cons
- − No accelerated reward rate on travel vs. other spend
- − Modest base reward rate
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.