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.
FinWiz24 Editorial
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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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
Frequently asked questions
What is the annual fee on the IRCTC card?
₹500 + GST, waived on ₹30,000 spends in the previous 12 months.
What is the 5% cashback cap?
5% is capped at ₹500 per month on IRCTC bookings.
Does the 1.8% transaction fee waiver apply to third-party apps?
No. The waiver is only on irctc.co.in and IRCTC Rail Connect app.
Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.
Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.