SBI IRCTC Rupay Credit Card

SBI IRCTC Rupay Credit Card Benefits

1. Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)
2. 1 Reward Point per ₹125 on other retail spends (~0.8% return rate)
3. 4 complimentary railway lounge visits per year (1/quarter)
4. Welcome Bonus: 350 Reward Points on first spend ≥₹500 (within 45 days of card issuance)
5. Renewal Bonus: 500 Reward Points on fee payment (offsets ₹500 fee)
6. 1% IRCTC transaction charge waiver on e-ticket bookings
7. 1% fuel surcharge waiver on ₹500–₹3,000 transactions (max ₹100/month)
8. RuPay Network: UPI enabled + eligible for RuPay/UPI offers
9. Joining Fee: ₹500 + GST, partially offset by 350 welcome Reward Points (~₹350 value)
10. Pay ₹500 as Renewal fee, Get 500 Reward Points – Renewal Made Free!

Eligibility Criteria

• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income- Rs. 30,000 per month
• 650+ with no delayed payments in the past 12 months
• New-to-Credit: Allowed only for Salaried applicants

Fees & Charges

• Annual Fee-Rs. 500+GST
• Renewal Fee Rs. 500 + GST from second year onwards

Documents Needed

• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Steps to Apply

• Click on the orange button
• You will be redirected to the SBI Bank Credit Cards page
• Complete the application in the same sessionEligibility Criteria
• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income- Rs. 30,000 per month
• 650+ with no delayed payments in the past 12 months
• New-to-Credit: Allowed only for Salaried applicants

Fees & Charges

• Annual Fee-Rs. 500+GST
• Renewal Fee Rs. 500 + GST from second year onwards

Documents Needed

• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Steps to Apply

• Click on the orange button
• You will be redirected to the SBI Bank Credit Cards page
• Complete the application in the same session

Eligibility Criteria

• Age: 21 to 65 years
• Employment: Both salaried and self-employed individuals
• Minimum Income- Rs. 30,000 per month
• 650+ with no delayed payments in the past 12 months
• New-to-Credit: Allowed only for Salaried applicants

Documents Needed

• ID Proof: PAN Card/Form 60
• Address Proof: Aadhaar, Passport, or utility bills
• Income Proof: Bank statements or salary slips
• Photograph: Recent passport-sized photo

Pricestore24 Rewards Related

• If you currently hold or have ever held an SBI Credit Card, you are not eligible for Pricestore24 Rewards
• A minimum transaction of ₹100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Pricestore24 Rewards
• Please use Aadhaar linked Mobile number to fill the Application
• VKYC done over 50km from your Aadhaar/Communication address will result in application rejection and loss of Pricestore24 Rewards

Also, Remember

• Resume your application only via Pricestore24 to avoid losing Pricestore24 Rewards
• If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the Application date
• Pricestore24 Rewards can only be redeemed as Amazon Pay Balance