SBI IRCTC Credit Card 2025
Save up to ₹20,000+ every year on train tickets, lounge access & super low fee!
If you travel by AC train even 4–5 times a year, the SBI IRCTC Credit Card is the best railway co-branded card in India!
You get up to 10% value back on AC train tickets booked via IRCTC website/app (1% transaction fee waived + 9% reward points), ₹500 IRCTC voucher on joining, 8 domestic lounge visits, 1% fuel waiver, and only ₹500 annual fee waived on just ₹50,000 spend.
Reward points = Real Cash – redeem directly for train tickets or statement credit!
Why This Is The Best Train Travel Card in 2025?
10% back on AC tickets • ₹500 welcome voucher • 8 lounge visits • 1% IRCTC fee waived • Fee waiver on ₹50K • Instant redemption
Best for: Train travellers, railway employees, families, frequent AC passengers, lounge users
Fee Waiver – ₹500 waived on ₹50,000 annual spend
Card At a Glance
₹500 + GST
₹500 + GST (Waived on ₹50K)
10% on AC tickets | 1% others
Reward Points (1 pt = ₹1 on IRCTC)
8 Domestic/year
₹500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (Waived on ₹50K spend) |
| Welcome Benefit | ₹500 IRCTC voucher |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.75% per month |
| Fuel Surcharge Waiver | 1% (max ₹100/month) |
Detailed Reward Rates (2025)
- 10% value back on AC1/AC2/AC3/CC train tickets via IRCTC (1% fee waiver + 9% points)
- 1% value back on all other spends
- 1 Reward Point = ₹1 on IRCTC ticket booking
- 8 domestic lounge visits per year (2 per quarter)
- Zero transaction fee on IRCTC bookings
Airport Lounge Access
8 complimentary domestic lounge visits per year (2 per quarter)
Insurance & Protection Benefits
- ₹1 Lakh railway accident cover
- Zero lost card liability
- Purchase protection up to ₹25,000
Pros & Cons (Real User View)
| Pros | Cons | |
|---|---|---|
| 10% back on AC train tickets | Only useful for train travellers | |
| ₹500 welcome voucher | td> | 3.5% forex |
| 8 domestic lounge visits | Rewards capped at ₹10K/month | |
| Zero IRCTC transaction fee | ||
| Fee waiver on ₹50K spend |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹4.5 Lakh p.a.
- Credit Score: 700+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website → IRCTC Card
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you book AC train tickets regularly, SBI IRCTC Card gives you 10% real cashback + ₹500 voucher + 8 lounge visits at just ₹500 fee (easily waived). Still the unbeatable king for Indian Railways travellers!
Frequently Asked Questions (FAQs)
How much back on train tickets?
10% value back on AC1/AC2/AC3/CC tickets booked on IRCTC.
Is IRCTC fee waived?
Yes, 1% transaction fee completely waived.
Lounge access?
8 domestic lounge visits per year.
Fee waiver?
Yes, ₹500 waived on ₹50,000 annual spend.