SBI IRCTC RuPay Credit Card

THE VALUE AT A GLANCE

What this card offers

The features to weigh against your spending habits.

• Earn reward points on eligible IRCTC railway bookings
• Other eligible retail spends earn points at a separate rate
• Railway lounge visits are advertised with quarterly limits
• Welcome bonus requires a qualifying first spend within the stated period

KNOW THE COST

Fees & annual waiver

Joining fee

Not separately listed; annual fee ₹500 + GST is stated

Annual fee

₹500 + GST from year two

Fee waiver

Not stated in fee section

Check the issuer’s current schedule for taxes, interest, late-payment charges and other transaction fees.

BEFORE YOU APPLY

Eligibility

The listed application requirements for this card.

• Age 21–65
• income ₹30,000/month
• credit score 650+
• new-to-credit allowed only for salaried applicants

The issuer makes the final approval decision. Meeting the listed requirements does not guarantee approval.

KEEP THESE READY

Documents

• PAN card or Form 60
• Address proof such as Aadhaar, passport or utility bill
• Income proof such as bank statements or salary slips
• A photograph may be requested

The exact documents depend on the issuer’s application and KYC requirements. Submit documents only through the authorized application process.

YOUR NEXT STEP

How to apply

1. Check your card choiceReview the fee, benefits and application requirements above.
2. Open the applicationChoose Apply now to continue to the partner’s application page.
3. Follow the issuer’s processConfirm the exact card variant and current terms, then complete the requested steps.

For lounge benefits, check your exact card variant, current spend requirements and remaining visits before travelling.