{"id":4651,"date":"2025-08-02T07:10:13","date_gmt":"2025-08-02T07:10:13","guid":{"rendered":"https:\/\/railtravels.org\/?p=4651"},"modified":"2025-08-02T07:10:13","modified_gmt":"2025-08-02T07:10:13","slug":"irctc-and-sbi-card-launch-co-branded-contactless-credit-card-on-rupay-platform","status":"publish","type":"post","link":"https:\/\/www.reilsolar.com\/train\/irctc-and-sbi-card-launch-co-branded-contactless-credit-card-on-rupay-platform\/","title":{"rendered":"IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform"},"content":{"rendered":"
\n

IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform<\/strong><\/p>\n

IRCTC of Indian Railways and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform<\/strong><\/p>\n

\u201cWe are strongly committed in making Railways \u2018Aatma Nirbhar\u2019 in all the fields with \u2018Make In India\u2019 initiatives as envisaged by Hon\u2019ble Prime Minister.\u201d-says Minister of Railways and Commerce & Industry, Shri Piyush Goyal<\/strong><\/p>\n

In yet another initiative towards pursuance of the vision of Hon\u2019ble Prime Minister of \u2018Aatma Nirbhar Bharat\u2019, \u2018Digital India\u2019 and \u2018Make In India\u2019 and towards fulfillment of the mission of Hon\u2019ble Minister of Railways and Commerce & Industry, Shri Piyush Goyal in achieving greater self reliance for \u2018Aatma Nirbhar Bharat\u2019 and engaging with the world from a position of strength, IRCTC and SBI Card together launched their new Co-branded Contactless Credit Card on RuPay Platform. The new credit card was dedicated to the service of the nation today by Shri Piyush Goyal, Hon\u2019ble Minister of Railways and Commerce & Industry.<\/p>\n

Speaking on the occasion, Hon\u2019ble Minister of Railways and Commerce & Industry, Shri Piyush Goyal said \u201cWe are strongly committed in making Railways \u2018Aatma Nirbhar\u2019 in all the fields with \u2018Make In India\u2019 initiatives as envisaged by Hon\u2019ble Prime Minister. The IRCTC SBI co-branded card working on RuPay Platform is one of the many \u201cMake In India\u201d activities undertaken by the Railways\u201d<\/p>\n

With the aim to offer a safe transaction environment to the customers, the new RuPay credit card is equipped with Near Field Communication (NFC) technology whereby the users can expedite their transactions at the POS machines by just tapping the card on the machines without requiring to swipe the card.<\/p>\n

Designed to reward frequent railway travellers, the new co-branded credit card offers the rail passengers maximum savings proposition on their travel together with exclusive benefits on retail, dining and entertainment as well as transaction fee waivers.<\/p>\n

The Cardholders will receive up to 10% value back on 1st AC, 2nd AC, 3rd AC, Executive Chair Car & AC Chair Car bookings made at IRCTC website. The card also offers online transaction fee waiver (1% of transaction amount), 1% fuel surcharge waiver and 4 premium lounge free access at Railway stations in a year (one per quarter). The users of the card will receive 350 Bonus Reward Points upon activation of the card with a minimum spent. The users can redeem the accumulated reward points against purchase of train tickets on IRCTC\u2019s ticketing website. In addition to savings on rail travel, the IRCTC SBI card offers several benefits for online shopping portals. Customers can avail discounts while shopping at e-commerce sites.<\/p>\n

With RuPay\u2019s increasing market share and gaining popularity among Indian customers, the RuPay powered IRCTC SBI Cobranded Credit Card is yet another step to provide RuPay users a delightful shopping experience.<\/p>\n

The new co-branded credit card together substantiates the commitment of IRCTC, SBI Card and RuPay for promoting the Digital India initiatives and aims to ensure a safe, convenient and improved travel experience for the rail passengers.<\/p>\n

Here\u2019s the updated and verified overview of the IRCTC\u202f\u2013\u202fSBI Co\u2011Branded Contactless Credit Card<\/strong>, launched on the RuPay platform<\/strong>, with NFC-enabled tap-to-pay functionality:<\/p>\n

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\ud83d\ude80 Launch & Strategic Background<\/h2>\n
    \n
  • Launched on 28 July 2025<\/strong> by IRCTC<\/strong>, SBI Card<\/strong>, and NPCI (RuPay)<\/strong>, the card was dedicated via virtual ceremony by Minister Piyush Goyal<\/strong>, promoting initiatives like \u201cAatma Nirbhar Bharat\u201d<\/strong>, Digital India<\/strong>, and Make in India<\/strong><\/li>\n
  • It\u2019s the first card of IRCTC by SBI<\/strong> on the RuPay network, offering a purely Indian payment solution with contactless NFC support<\/strong><\/li>\n<\/ul>\n
    \n

    \u2733\ufe0f Key Features & Benefits<\/h2>\n

    Travel & Rail Booking Benefits<\/h3>\n
      \n
    • Up to 10% value back<\/strong> (reward points) on tickets booked for AC\u202f1, 2, 3; Executive or AC Chair Car<\/strong> classes via IRCTC website\/app<\/strong><\/li>\n
    • 1% waiver on transaction fees<\/strong> for IRCTC ticket booking made on the IRCTC portal<\/li>\n<\/ul>\n

      Rewards & Redemptions<\/h3>\n
        \n
      • 350 bonus reward points<\/strong> on activation (minimum spend \u20b9500 within 45 days)<\/li>\n
      • Earn 1 reward point per \u20b9125<\/strong> spent on non-fuel retail (including IRCTC rail bookings), redeemable on IRCTC (1 point = \u20b91)<\/li>\n<\/ul>\n

        Contactless & Retail Perks<\/h3>\n
          \n
        • NFC contactless payments<\/strong> via tap-to-pay at POS terminals\u2014no signature or swipe needed<\/li>\n
        • 4 complimentary railway lounge visits per year<\/strong> (primary cardholder only, one per quarter) at participating stations<\/li>\n
        • Discounts across partner platforms: e\u2011commerce, wellness, dining, pharma, and retail (e.g. BigBasket, Ajio, Medlife, RideToFit) via RuPay network collaborations<\/li>\n<\/ul>\n
          \n

          \ud83d\udcb3 Fees & Charges<\/h2>\n
            \n
          • Joining & Annual Fee<\/strong>: \u20b9500 + GST (renewal fee \u20b9500)<\/li>\n
          • Fuel surcharge waiver<\/strong>: 1% on transactions between \u20b9500\u2013\u20b93,000 (max \u20b9100 per statement)<\/li>\n
          • Standard finance charges (~3.75%\/month) and penalty fees apply per SBI Card policy<\/li>\n<\/ul>\n
            \n

            \ud83d\udccb Summary Table<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
            Feature<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
            Launch Date<\/strong><\/td>\n28 July 2020<\/td>\n<\/tr>\n
            Platform<\/strong><\/td>\nRuPay (NFC-enabled Contactless Credit Card)<\/td>\n<\/tr>\n
            Rail Booking Benefit<\/strong><\/td>\nUp to 10% value back on select AC\/Chair Car bookings<\/td>\n<\/tr>\n
            Transaction Fee Waiver<\/strong><\/td>\n1% on IRCTC bookings<\/td>\n<\/tr>\n
            Welcome Offer<\/strong><\/td>\n350 bonus points on eligible activation<\/td>\n<\/tr>\n
            Reward Accrual<\/strong><\/td>\n\u20b91 point per \u20b9125 spent on retail\/non\u2011fuel spends<\/td>\n<\/tr>\n
            Lounge Access<\/strong><\/td>\n4 visits\/year (railway lounges, primary cardholder only)<\/td>\n<\/tr>\n
            Fuel Discount<\/strong><\/td>\n1% waiver on fuel transactions (\u20b9500\u2013\u20b93,000)<\/td>\n<\/tr>\n
            Retail Offers<\/strong><\/td>\nDiscounts on e\u2011commerce, pharma, lifestyle per RuPay tie\u2011ups<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
            \n

            \u2705 Final Takeaway<\/h2>\n

            The IRCTC\u2011SBI RuPay Contactless Card<\/strong> is tailored for frequent Indian railway passengers\u2014offering cashback, waived fees, lounge access, and NFC convenience. Its integration into the RuPay ecosystem aligns with national digital payment goals and enhances accessibility across diverse cardholder segments.<\/p>\n

            Would you like help with:<\/p>\n

              \n
            • Checking eligibility criteria or application process<\/strong>?<\/li>\n
            • Understanding current tie-up merchant discounts<\/strong> or reward redemption process<\/strong>?<\/li>\n
            • Getting the latest updates on lounge access or loyalty linking<\/strong>?<\/li>\n<\/ul>\n

              Let me know and I\u2019ll assist further!<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

              IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform IRCTC of Indian Railways and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform \u201cWe are strongly committed in making Railways \u2018Aatma Nirbhar\u2019 in all the fields with \u2018Make In India\u2019 initiatives as envisaged by Hon\u2019ble Prime Minister.\u201d-says Minister of Railways and […]<\/p>\n","protected":false},"author":102,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,328,7],"tags":[4,329,6],"class_list":["post-4651","post","type-post","status-publish","format-standard","hentry","category-irctc","category-irctc-ewallet","category-railway","tag-irctc","tag-irctc-ewallet","tag-railway"],"_links":{"self":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/posts\/4651","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/users\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/comments?post=4651"}],"version-history":[{"count":0,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/posts\/4651\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/media?parent=4651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/categories?post=4651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reilsolar.com\/train\/wp-json\/wp\/v2\/tags?post=4651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}