SBI IRCTC Rupay Credit Card

SBI IRCTC Rupay Credit Card: https://bitli.in/aZfeSNh

• Best for railway tickets: 10% back on AC1, AC2, AC3, Chair Car, Executive Chair IRCTC bookings (earned as Reward Points)

• 1 Reward Point per Rs 125 on other retail spends (~0.8% return rate)

• 4 complimentary railway lounge visits per year (1/quarter)

• Welcome Bonus: 350 Reward Points on first spend ≥ Rs 500 (within 45 days of card issuance)

• Renewal Bonus: 500 Reward Points on fee payment (offsets Rs 500 fee)

• 1% IRCTC transaction charge waiver on e-ticket bookings

• 1% fuel surcharge waiver on Rs 500-Rs 3,000 transactions (max Rs 100/month)

• RuPay Network: UPI enabled + eligible for RuPay/UPI offers

Fees & List of Charges -

• Annual Fee: Rs 500 + GST, partially offset by 350 welcome Reward Points (~ Rs 350 value)

• 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

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

How to Avail the Offer

• User will be redirected to the SBI Bank Credit Cards page

• Complete the application in the same session