About SBI IRCTC Credit Card
- 350 activation bonus Reward Points on the first transaction of Rs 500+ within 45 days.
- Earn up to 10% Rewards on ticket bookings through IRCTC App & Website (AC1, AC2, AC3, and AC CC classes).
- Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.
- Earn 1 Reward Point for every Rs 125 spent (1 RP = Re 1).
- Save 1% transaction charges on IRCTC train bookings.
- Redeem Reward Points directly on IRCTC Website and App after linking loyalty number.
- Enjoy 4 complimentary railway lounge access in India per year (Max 1 per quarter).
- 1% Fuel surcharge waiver.
Fees & List of all Charges
- Joining Fee: Rs 500 + GST.
- Annual Fee: Rs 300 + GST.
- Annual Fee Waiver on spending Rs 2,00,000 or more in a year.
Documents Needed
- ID Proof.
- Address Proof.
- Income Proof.
- Valid PAN Card.
Eligibility Criteria
- Age: 21-65 years.
- Employment Status: Salaried or Self-Employed.
- Minimum Income: Rs 20,000/month.
- Credit Score: 650+.
- New to Credit: Allowed only for Salaried.
- Credit Card Holders Preferred.
- No delayed payments in the last 12 months.
- Must be an Indian Citizen or NRI.
How to Avail the Offer
- User will be redirected to the SBI Bank Credit Cards page.
- Click on 'Start Apply Journey' and fill in the required details.
- Save the application number after submission for future reference.
- SBI representative will contact you within 2-4 days to complete the process.
- Tracking starts within 72 hours after application completion.