IRCTC Rupay SBI Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Earn 1 Reward Point for every Rs. 125 spent on retail purchases, whether it's booking railway tickets on the IRCTC Website or mobile app. Receive a welcome gift of 350 bonus reward points when making a transaction of over Rs. 500 within 45 days of setting up the card. When purchasing AC1, AC2, AC3, and AC CC tickets through IRCTC, receive up to 10% value back in the form of reward points. Enjoy 4 complimentary accesses to railway lounges every year. Save 1% on transaction charges for booking railway tickets through IRCTC.

The IRCTC Rupay SBI Credit Card is a suitable option for avid travelers, offering various benefits and rewards.

With a joining fee of Rs. 500 + GST and a renewal fee of Rs. 300 + GST, this credit card comes with several perks.

Upon receiving the card, you can enjoy a welcome benefit of 350 reward points on a minimum transaction of Rs. 500 within 45 days.

Additionally, you can avail of Rs. 100 cashback on your first ATM withdrawal within 30 days of card issuance.

For every spend of Rs. 125, you earn 1 Reward Point while shopping.

These reward points can be redeemed towards a variety of options.

However, do note that there is a redemption fee of Rs. 99.

The travel benefits of this credit card are impressive.

You get complimentary railway lounge access every year through the Railway Lounge Program, allowing you to relax in style.

You also receive accommodation benefits at over 5000 hotels across 350+ cities in India.

Furthermore, the domestic lounge access offers you 4 complimentary visits per year, one in each quarter.

This allows you to enjoy the comforts of lounges during your domestic travels.

When it comes to fuel purchases, you enjoy a 1% fuel surcharge waiver across all petrol pumps in India for transactions between Rs. 500 to Rs. 3,000.

The maximum waiver you can receive in a statement cycle is Rs. 100.

If you require cash advances, the cash advance fee is 2.5% or Rs. 500 (whichever is higher).

It's important to note that this credit card has an interest rate of 3.5% per month (42% per annum) and a foreign currency markup of 3.5% for foreign conversions.

In summary, the IRCTC Rupay SBI Credit Card offers excellent travel benefits and rewards, making it a great choice for frequent travelers.