Home » India » Railway credit cards- Discounts for frequent travellers

Railway credit cards- Discounts for frequent travellers

If you are a frequent Railway traveller, here is some good news for you. Indian Railways in association with State Bank of India Credit Cards has introduced Railway cards with exclusive reward point system.

For every booking you make through IRCTC website using your SBI Railway card, you earn points which you can redeem for free tickets or discounted tickets.

You can earn upto 10% of your AC ticket as railway points. You can even shop using your Railway card and earn reward points for every rupee spent. You can use this card at IOC and IBP petrol pumps and get 0% transaction fee.

You can earn 1 railway point for every Rs.1 spent using your SBI Railway card.

Shubh Yatra program for frequent travellers

The point earning system is as follows:

For express rewards you earn 4 railway points for every Rs.100 spent. Note that this is valid if the date of travel is in between April 1 – July 4 and September 16 – January 14.

For Super Fast rewards, you earn 10 points for every Rs.100 spent. Note that this is valid only if the date of travel is between January 15 – march 31 and July 15 to September 15.

You can earn points in this Shubh Yatra program only if the tickets are purchased from the IRCTC website. Also note that the Railway points can be earned only on AC 1st and 2nd class, Executive chair car and AC chair car.

You can start redeeming your points once you reach a minimum of 500 points. To redeem, you must login to your IRCTC account.

To apply for both SBI Railway card and/or to be a part of the Shubh Yatra program you need to login to your irctc account and look for these under services on the left sidebar.

Note that this card, apart from its usefulness with regards to train travel, is a full fledged credit card from SBI. You will get all the benefits from the Visa credit card, such as 0% fuel surcharge, money withdrawal from ATM’s etc.

There is a joining fee of Rs.500 and from the second year, the maintenance fee is Rs.300 per year. You can get up to 80% of the credit limit as advance, in case you need to exceed your limit.

Check Also


Why do people vote for BJP (or even Congress)?

I have a very simple theory. I will never vote for a party that doesn’t …


  1. I want SBI Railway card, what forms are completed from me.

  2. Please let me have the procedure with regard to how to know the balance of SBI REWARD POINTS.

    • There is a site called Freedom Rewardz. You have to first register there using your debit card details. You can then check your reward points from the site.

  3. aynul arfin khan

    I want irctc card please tell me document req details send my mail

  4. how can we apply, is this connect in other bank like hdfc, pnb
    how many charge apply to make this card
    it’s card validity

  5. railway credit card apply

  6. Sir,

    I applied for SBI IRCTC Card, But Nominee name is not entered in the form so pls tell me, how i can entered Nominee name.


    Satish kurve

  7. Sir ,

    My Name is Abhay Namdeo Wankhede , I Applied for SBI RAILWAY CARD, but no reply.
    Pl clarify.

  8. Dear sir

    My Name Is A.vijaya kumar.
    I Applied for SBI Railway card .But no reply.
    Pl clarifiey.

Leave a Reply

Your email address will not be published. Required fields are marked *