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SBI IRCTC

  • Joining Fee 500 (Excluding GST)
  • Annual Charges 300 (Excluding GST)
  • Best Suited For Travel & Reward

Key Highlights of the SBI IRCTC

10% value-back, through reward points, upon booking AC1, AC2, AC3 and AC Chair
Car tickets via IRCTC website
Waiver of 1% transaction charges on railway ticket bookings
4 complimentary railway lounge access in a year

Features and Benefits

Reward Points:
  • 1 reward point for every Rs. 125 spent1 including railway ticket purchases done via IRCTC website or mobile application
Welcome Benefit:
  • 350 bonus reward points (Rs. 350) on activation i.e. post first successful transaction of Rs. 500 or more. (1 reward point = Rs. 1).
  • 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card
Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver is provided which is capped at Rs. 100 per month

SBI IRCTC Fee Charges

Joining Fee Rs. 500
Annual Fee Rs. 300
Finance Charges 3.5% p.m. (42% p.a.)
Late payment charges Rs. 0 if outstanding amount is up to Rs. 500, Rs. 400 if outstanding amount is between Rs. 501 to Rs. 1000, Rs. 750 if outstanding amount is between Rs. 1001 to Rs. 10000, Rs. 950 if outstanding amount is between Rs. 10001 to Rs. 25000

SBI IRCTC Rewards

  1. 1 reward point for every Rs. 125 spent including railway ticket purchases done via IRCTC website or mobile application
  2. 350 bonus reward points (Rs. 350) on activation i.e. post first successful transaction of Rs. 500 or more

Documents and Eligibility

Documents

  • Proof of Identity:
  • PAN Card
  • Aadhaar Card
  • Passport
  • Driving License
  • Voter’s ID Card or Any other government approved photo ID
  • Proof of Address:
  • Aadhaar Card
  • Passport
  • Utility bills (not more than 3 months old) or Any other government approved address proof
  • Proof of Income:
  • Bank statement for the last 3 months
  • Salary slips for the last 3 months
  • Audited financials for the last two years (for self-employed) or Form 16

Eligibility

  • Age: Minimum 21 years and maximum 70 years.
  • Occupation: Salaried or Self-Employed.
  • Income: Regular source of income is required.
  • Credit Score: A good credit score is necessary.
  • Add-on Card: Add-on cardholders must be over 18 years of age.

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