SBI IRCTC Rupay Credit Card

RuPay / UPI✈ Lounge access

10% Back On AC IRCTC Bookings
4 Complimentary Railway Lounge Visits/Year
UPI Payments + RuPay Offers Built-In

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Is the SBI IRCTC Rupay Credit Card worth it?

The SBI IRCTC Rupay Credit Card is a RuPay card you can link to UPI from SBI Card. It suits everyday UPI payments where you want to pay on credit and still earn rewards. For this card specifically, it includes airport lounge access. Think twice if you need wide international acceptance (RuPay is mainly domestic).

Headline benefit: 10% Back On AC IRCTC Bookings.

Featured in🌱 first credit cards for beginners ✈️ travel credit cards with lounge access 📲 RuPay credit cards for UPI

Before you apply ✅

Link it in your UPI app to pay by QR on credit — small payments may earn lower or no rewards.
Most unsecured cards want a CIBIL score around 750+ — check yours first.
Confirm the current fee and waiver terms on SBI Card's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.