SBI IRCTC credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

1% to 2%

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Credit Card Overview

A co-branded IRCTC SBI card providing accelerated rewards on train bookings, surcharge waivers, and lifestyle benefits for regular rail commuters.

Best Suited For: Travel Booking

SBI logoSBI

Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

SBI IRCTC credit card — Benefits and Offers

No benefits listed for this card

This card has no dining, movie, insurance or membership perks recorded — most no-frills cards don’t.