IRCTC SBI RuPay Credit Card
IRCTC SBI RuPay Credit Card from SBI Card is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 500 | Reward type: Reward Points | Best for: Travel
Estimated value per Rs 100 of eligible spend.
IRCTC SBI RuPay Credit Card Overview
IRCTC SBI RuPay Credit Card is a SBI Card credit card. Base reward value is about Rs 0.8 per Rs 100 of eligible spend. Zlash checks boosted categories like travel along with caps and exclusions.
Best For
IRCTC SBI RuPay Credit Card is most useful when your spends regularly fall into travel.
Rewards
travel
12.5x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, cash advances.
- International transactions if you need low forex markup; this card lists 3.5% markup.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 500.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Milestone benefit in a yearly period for benefit value around Rs 500.
Zlash Verdict
Choose this card when travel match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IRCTC SBI RuPay Credit Card?
The listed annual fee is Rs 500.
What is IRCTC SBI RuPay Credit Card best used for?
IRCTC SBI RuPay Credit Card is most useful when your spends regularly fall into travel.
Does IRCTC SBI RuPay Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, cash advances.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.