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IRCTC card- get railway tickets for free

Updated on May 9, 2012
IRCTC Card or SBI Railway card
IRCTC Card or SBI Railway card

IRCTC has released a credit card in collaboration with SBI. According to their advertisement tagline they are offering the only credit that can give you free train travel tickets. Even though the tickets are not free, they are offering a large variety of price reductions and loyalty points. See the details of the card


If you are a person traveling in Indian Railway and booking a lot of tickets through IRCTC, this card will be of very much use. The benefit of this card are

1. While purchasing you will get 350 bonus points. Each point is equivalent to Rs.1 in case of booking tickets from IRCTC. Also for every Rs.125 you use for shopping, traveling etc using this card, you will get Rs.1 each which can later be used for purchasing tickets

2. You can get 10% of your AC railway ticket fare back except for third AC(3A)

3. No transaction charge for booking any ticket. Usually a charge of minimum 10 will be charged for every ticket you are booking. It will not be reduced

4. You will also get Rs.10 lakh insurance protection against accidents occurring while traveling in Indian Railway.The only condition is that you should be traveling with a valid ticket

5. You can get petrol from IndianOil corporation pumps without transaction charge for certain limit of purchases

6. This card offers all facilities available in any credit card. It offers balance transfer from other credit cards to this card with small charges. Also offers addon card, (which you can give to your family members. They can also purchase from the same account using the card). Also you can enjoy the features of common visa cards like international acceptance, unlimited number of withdrawal from visa enabled ATMs, SMS alerts on your phone etc

Charges and Fees

Joining charge-Rs.500 for first year. In coming years Rs.300 each

Interest free Credit period - 22 days to 50 days

Interest rate- 3.32% per month or 40% per year.

Other Credit cards worth considering

The service charge for this credit card is a bit high as you can get credit cards of banks like HDFC for free. HDFC is offering credit card free of cost for corporate job holders (especially for people working in IT field). But if you feel that you can book enough ticket to compensate this yearly charge, you can go for IRCTC card


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    • profile image

      Harshad narayan bhoir 3 years ago

      I want IRCTC SBI CARD i asked sbi manager; but she can't know about IRCTC SBI CARD so kindly tell me how get me the card my cell no 8806128127 9221303035

    • DivineSpirit profile image

      DivineSpirit 4 years ago from India

      That was nice bit of information, I must say. Ganesha will help you.

    • profile image

      Tiru 4 years ago

      This card is only useful for persons who travels very frequently and with or above 2nd AC.

      Not useful for sleeper and third AC journey...

    • profile image

      B RAJESH 5 years ago

      Hi iam Rajesh, i need SBI Railway Card. already iam holding SBI Credit Card.. So i required Railway Credit Card.

      Cell No 8977036660 / 9704158111

    • vinner profile image

      vinner 6 years ago from India

      It is easy procedure only. Just go to the nearby SBI branch and ask there. There is one more thing, It is a credit card. So first they will check your income. If you are a person with monthly salary, you will easily get it

    • profile image

      suresh 6 years ago

      hi i am suresh maurya here need to know about irctc card . i mean how can i get this card.

    • vinner profile image

      vinner 6 years ago from India

      I am not sure, whether they are charging such an initial charge. But if they are charing, there is a chance that it may be for activation only,it will be credited back

    • profile image

      Anjad 6 years ago

      I recently got an IRCTC credit card. Actually when I went to SBI bank, they encouraged me to take this card. But just after I got my card activated, an amount of Rs.1500 was deducted from my account. I heard that there is a service charge of Rs.500 for one year. Will I get the money back?