IRCTC SBI Card Review 2026: Fees, 10% Value Back, Is It Worth It?
Get 10% value back on IRCTC AC ticket bookings with the IRCTC SBI Card. Check fees, railway lounge access, and reward redemption details in our 2026 review.
The IRCTC SBI Card is a niche travel card that offers exceptional value for frequent Indian Railways passengers booking AC class tickets. While its utility for non-railway spends is minimal, the 10% value back and lounge access make it a must-have for train commuters.
Make your train travel more rewarding.
The Bottom Line
The IRCTC SBI Card is a niche travel card that offers exceptional value for frequent Indian Railways passengers booking AC class tickets. While its utility for non-railway spends is minimal, the 10% value back and lounge access make it a must-have for train commuters. With a ₹500 annual fee, it offers 350 bonus points and railway lounge access. For anyone researching irctc sbi card, the verdict is simple: conditional.
It earns a base reward rate of 0.8% and stacks best when your spending lines up with frequent-rail-traveler.
Who Should Get This Card
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Best fit for
IdealHigh value back on AC class train tickets and complimentary railway lounge access.
Probably not for
SkipThe card offers no airport lounge access or airline-specific rewards.
Base reward rate is significantly lower than other entry-level cashback cards.
Is It Worth It For You?
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Reward Rates
IRCTC SBI Card offers 0.8% basic reward rate.
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Welcome Offer
₹100 cashback on first ATM cash withdrawal within 30 days
Milestone Benefits
Credited upon payment of the annual renewal fee
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 700
- Minimum age 21 years. Available for salaried individuals with monthly income > ₹20,000 and self-employed with ITR > ₹3 Lakhs.
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Frequently Asked Questions
3 data-backed answers from our card database