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IRCTC SBI RuPay Card
RuPay
IRCTC SBI RuPay Card
A RuPay-network sibling to SBI's Visa-based IRCTC card, built for UPI-linked rail bookers who want the low joining fee and quarterly railway lounge visits on a RuPay card. Reward value is concentrated almost entirely in IRCTC bookings.
Annual fee
₹300
Joining fee
₹500
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in travel. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ✈️ Travel
10% reward rate · Complimentary railway lounge access, one visit per quarter for the primary cardholder.
- ⛽ Fuel
Fuel surcharge waiver at railway ticket counters and IRCTC transactions.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 10% value back on railway ticket bookings on the IRCTC website and app.
- Complimentary railway lounge access, one visit per quarter for the primary cardholder.
- Fuel surcharge waiver at railway ticket counters and IRCTC transactions.
Pros
- + Very low joining and annual fee
- + 10% value back on IRCTC bookings
- + Quarterly railway lounge access
Cons
- − Low base reward rate outside railway spends
- − RuPay acceptance is narrower than Visa for some online merchants