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IRCTC Rupay SBI Credit Card

IRCTC Rupay SBI Credit Card

  • Joining Fee :

    Rs. 500 + GST

  • Renewal Fee :

    Rs. 300 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

You get 350 reward points on a minimum transaction of Rs. 500 within 45 days after receiving the card. You also get Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.

Best suited for

Travel

Product Details

  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at the IRCTC Website or IRCTC mobile app.

  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.

  • On buying AC1, AC2, AC3, and AC CC tickets through IRCTC, you get up to 10% value back as reward points.

  • Get 4 complimentary railway lounge access every year.

  • You can save the 1% transaction charges on your railway ticket booking through IRCTC.

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 1 Reward Point on every spend of Rs. 125.

  • Reward Redemption

  • The RPs you earn are credited to your IRCTC Rupay SBI credit card.

  • Travel

  • You get complimentary railway lounge access every year through the Railway Lounge Program and accommodation at more than 5000 hotels across 350+ cities in India.

  • Golf

  • NA

  • Domestic Lounge Access

  • 4 complimentary domestic railway lounge access every year (1 per quarter).

  • International Lounge Access

  • NA

  • Insurance Benefits

  • NA

  • Zero Liability Protection

  • The cardholder will not be liable for any fraudulent transaction done through their card once the card is reported lost/stolen.

Fees & Charges

  • Spend Based Waiver

  • Nil

  • Rewards Redemption Fee

  • Rs. 99

  • Rewards Redemption Fee

  • Rs. 99

  • Foreign Currency Markup

  • 3.5% per foriegn conversion

  • Interest Rates

  • 3.5% per month (42% per annum)

  • Fuel Surcharge

  • 1% fuel surcharge waiver across all petrol pumps in India for all transactions between Rs. 500 to Rs. 3,000. You can get a maximum waiver of Rs. 100 in a statement cycle.

  • Cash Advance Charges

  • 2.5% or Rs. 500 (whichever is higher)

  • Add-on Card Fee

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

3 Simple Steps to Earn FreeUPIcash
1
Login

It's just one click process to login with your Google account.

2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
Earn freeupicash

We track your transaction on the retailer website and credit freeupicash to your account.

India's Largest FreeUPIcash Platform

30+
Ways to earn
1500+
Retailer partners
₹20
Min. withdrawal amount ( UPI )