How to Apply for the SBI IRCTC Credit Card in 2026
Apply for the co-branded SBI IRCTC Credit Card and earn 5% cashback on IRCTC train bookings. Eligibility, benefits, and the application process.
Harshil Vaja
The SBI IRCTC Credit Card is a co-branded travel card for Indian Railways. It offers 5% cashback on IRCTC train bookings, 1.8% transaction fee waiver on railway bookings, 4 domestic lounge visits per year, 1% fuel surcharge waiver, and 1 reward point per ₹125 on all other spends. The annual fee is ₹500, waived on ₹30,000 spends.
Why this matters
If you book more than 4 train tickets a year on IRCTC, the 5% cashback recovers the annual fee in 2 bookings. The 1.8% transaction fee waiver is unique — no other card waives the IRCTC transaction fee. The 4 lounge visits are a useful secondary benefit for an occasional traveller.
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SBI Irctc
How to Apply for the SBI IRCTC Credit Card in 2026
Common mistakes to avoid
The 5% cashback is capped at ₹500 per month. The 1.8% transaction fee waiver is only on IRCTC, not on rail booking via third-party apps. The 4 lounge visits are via Dreamfolks — register before your first travel.
Pro tips
- Use the card only for IRCTC bookings to maximise 5% cashback
- Track the ₹500/month cashback cap in the SBI Card app
- Register on Dreamfolks and link the card before your first flight
- Pair with SBI BPCL Octane for fuel cashback
Written by
Harshil Vaja
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