IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform
IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform
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.
In yet another initiative towards pursuance of the vision of Hon’ble Prime Minister of ‘Aatma Nirbhar Bharat’, ‘Digital India’ and ‘Make In India’ and towards fulfillment of the mission of Hon’ble Minister of Railways and Commerce & Industry, Shri Piyush Goyal in achieving greater self reliance for ‘Aatma Nirbhar Bharat’ 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 Sh. Piyush Goyal, Hon’ble Minister of Railways and Commerce & Industry.
Speaking on the occasion, Hon’ble Minister of Railways and Commerce & Industry, Shri Piyush Goyal said “We are strongly committed in making Railways ‘Aatma Nirbhar’ in all the fields with ‘Make In India’ initiatives as envisaged by Hon’ble Prime Minister. The IRCTC SBI co-branded card working on RuPay Platform is one of the many “Make In India” activities undertaken by the Railways”
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.
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.
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’s 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.
With RuPay’s 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.
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.
B.Guganesan
Chief Public Relations Officer
Here’s the verified information on the IRCTC – SBI Co‑Branded Contactless Credit Card launched on the RuPay platform:
Contents
🏦 Overview: What Is This Card?
In July 2025, IRCTC, SBI Card, and NPCI (RuPay) jointly launched a co-branded credit card designed primarily for Indian Railways passengers, delivered as a contactless RuPay card with NFC tap‑to‑pay functionality for secure and quick transactions
🎯 Key Features & Benefits
- Up to 10% Value Back on IRCTC ticket bookings: available for AC‑1, AC‑2, AC‑3, Executive Chair Car, and AC Chair Car classes on the IRCTC website or mobile app
- Online Transaction Fee Waiver: 1% waiver on IRCTC bookings made via the IRCTC portal or app.
- Fuel Surcharge Waiver: 1% offset on fuel purchases.
- Welcome Offer: 350 bonus reward points upon activation (typically after minimum spend).
- Reward Redemption: Points can be used for free train tickets on IRCTC platform.
- Contactless NFC Payment: Tap-to-pay at POS terminals—no need to swipe or hand over the card, enabling faster and safer contactless transactions
- Lounge Access: Four complimentary Railway station lounge entries per year (one per quarter) for primary cardholder.
- Additional Retail Benefits: Offers and discounts on partnering platforms like Ajio, BigBasket, foodfortravel.in, Medlife, and more via RuPay ecosystem
🗣️ Official Perspectives
- Piyush Goyal, then Minister of Railways & Commerce, highlighted that the card aligned with Indian government initiatives like “Aatma Nirbhar Bharat,” “Make in India,” and “Digital India,” emphasizing its value to frequent rail travelers
- SBI Chairman & MD/CEO noted the move as an expansion of SBI Card’s flagship IRCTC product to the RuPay network, broadening reach and reinforcing secure contactless payment adoption
- NPCI’s MD/CEO reiterated support for inclusive financial innovation through the co-branding initiative on the RuPay platform
📋 Summary Table
| Feature | Details |
|---|---|
| Launch Date | 28 July 2025 |
| Platform | RuPay (National Payments Corporation of India system) |
| Fare Booking Benefit | Up to 10% value back on select AC bookings via IRCTC |
| Waivers | 1% transaction fee on IRCTC bookings; 1% fuel surcharge |
| Welcome Offer | 350 reward points on activation |
| Redemption | Points redeemable as IRCTC tickets |
| Technology | NFC-based contactless → Tap to Pay |
| Lounge Access | 4 premium Railway station lounges per year (primary cardholder only) |
| Other Perks | Discounts across categories like e‑commerce, dining, entertainment |
✅ Final Takeaway
The IRCTC‑SBI Co‑Branded RuPay Credit Card brings together travel value, safety, national payment infrastructure, and retail convenience—especially tailored for frequent rail travellers seeking cost-effective, secure, and seamless transactions across IRCTC bookings and more.
Let me know if you’d like help:
- Checking application eligibility or documentation
- Exploring current offers or tie-up merchants
- Understanding lounge access process or reward point redemption procedures