# IRCTC SBI Card (RuPay)

SBI Card · RuPay. ₹500 fee · 3.5% forex · 1 RP / ₹125 non-fuel (rail-redeem @ ₹1).

✓ official · checked 14 June 2026 · Source: https://www.sbicard.com/en/personal/credit-cards/travel/irctc-rupay-sbi-card.page

## How it earns (2)

- 1 RP / ₹125 non-fuel (rail-redeem @ ₹1) · ✓ official · checked 14 June 2026
- 4% value-back on AC rail bookings at irctc.com, on the booking amount (the primary cardholder's individual fare), 10% in peak (15 Jan to 31 Mar, 15 Jul to 15 Sep) · ✓ official · checked 14 June 2026

## On gift vouchers

- ₹80 back on a ₹10,000 voucher bought direct. · 1 RP / ₹125 non-fuel (rail-redeem @ ₹1)
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads · brand vouchers earn base (the issuer does not address them)
- No RP: fuel, cash

## Lounges (1)

- 4 railway lounge visits a year, at most 1 a quarter, primary cardholder only. Railway lounges only, not airports. · IRCTC Railway Lounge · domestic · 4 per year · checked 16 July 2026

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹1,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: IRCTC Reward Points (rail-locked) · ₹1 a point at baseline

## Dated changes (1)

- Improvement · 26 December 2024: IRCTC SBI value-back now counts all co-passengers (https://getbrief.cards/changes#sbi-irctc-fullfare)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/sbi-irctc-rupay