State Bank of India (SBI Card) · with IRCTCRuPayLast checked 11 Oct 2026
The IRCTC SBI Card (RuPay) costs Rs 500 a year. Its base return is 0.8% (1 RP per Rs 125 on non-fuel retail spend). Accelerated earn: Up to 10% value back as RP on AC1, AC2, AC3, CC bookings on IRCTC site/app. The forex markup is 3.5%. Lounge visits in India: 4 railway lounge visits per year, 1 per quarter (no airport lounge). Read from the issuer's documents and an aggregator on 11 Oct 2026.
SBI CardIRCTC SBI Card (RuPay)Card design not shown
Annual fee
Rs 500+ GST
Fee waived at
—
Base return
0.8%
Forex markup
3.5%
Interest
3.75%a month
Fees
Joining fee
Rs 500
Annual fee
Rs 500
Fee notes
No spend-based waiver in the MITC.
Rewards
Welcome benefitunverified
350 RP on a Rs 500 transaction within 45 days
Reward currency
Reward Points (IRCTC)
Base earnunverified
1 RP per Rs 125 on non-fuel retail spend
Base returnunverified
0.8%
Point valueunverified
1 RP = Re 1 on IRCTC
Accelerated earnunverified
Up to 10% value back as RP on AC1, AC2, AC3, CC bookings on IRCTC site/app
Spends that earn nothingunverified
Fuel; rent (from 1 Jul 2023)
Points expiry
24 months
Reward notes
base_return_pct = 1 RP per Rs 125 x Re 1, redeemable on IRCTC. Aggregator also cites 1 RP per Rs 100 in one place. Redemption fee Rs 99.
Travel and perks
Domestic loungeunverified
4 railway lounge visits per year, 1 per quarter (no airport lounge)
International loungeunverified
None
Forex markup
3.5%
Fuel surcharge waiverunverified
1% on fuel txns Rs 500-3,000, cap Rs 100 per cycle
Other freebiesunverified
1% transaction-charge saving on IRCTC rail bookings; 500 RP on renewal
Charges and eligibility
Interest per month
3.75%
Late payment fee
On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)
Cash advance fee
2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one
Fine-print notes
Issuer product page is script-rendered and returned no card content to the fetcher; fees, forex, interest and penalty fields are from the issuer MITC/KFS, benefit fields from the aggregator page listed. MITC lists 'IRCTC SBI card' and 'IRCTC SBI Platinum Card' at Rs 500 each. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.
Questions
What is the annual fee of the IRCTC SBI Card (RuPay)?
Rs 500 a year, before GST.
Does the IRCTC SBI Card (RuPay) give airport lounge access?
Yes. In India: 4 railway lounge visits per year, 1 per quarter (no airport lounge). Outside India: none listed.
What is the forex markup on the IRCTC SBI Card (RuPay)?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IRCTC SBI Card (RuPay)?