Cashback SBI Credit Card on IRCTC

No. The Cashback SBI Credit Card earns no rewards on IRCTC.

On IRCTC

Other spends

Rank for IRCTC

#141 of 149

Annual fee

₹999 + Taxes

What to know before you pay on IRCTC

How it works

5% on any online merchant (no partner list), until the ₹2,000 per cycle cap. Railways (IRCTC), telecom and utility bills earn nothing.

Caps & rules

From 1 Apr 2026: 5% on online spends capped at ₹2,000 per statement cycle, 1% offline capped at ₹2,000; ₹4,000 total per cycle.
Cashback auto-credited within 2 days of the next statement.

Reward limits

5% on online spends: max ₹2,000 per statement cycle
1% on offline spends: max ₹2,000 per statement cycle

No rewards on

Utilities, telecom (MCC 4814), DTH, insurance, jewellery, education, railways, gift/novelty shops, quasi-cash, gaming, tolls, government, fuel, rent, wallet, Merchant EMI/Flexipay

Checked 2026-09-27 · Bank terms

Apply now Full review Compare all cards for IRCTC

Cards that earn more on IRCTC

#1
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#2
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Where else the Cashback SBI Credit Card earns more

AJIO 5% Amazon 5% Apollo 24|7 5% BigBasket 5% Blinkit 5% BookMyShow 5% Cleartrip 5% Croma 5%

Questions

Does the Cashback SBI Credit Card give rewards on IRCTC?

No. The Cashback SBI Credit Card earns no rewards on IRCTC.

Is there a limit on Cashback SBI Credit Card rewards?

From 1 Apr 2026: 5% on online spends capped at ₹2,000 per statement cycle, 1% offline capped at ₹2,000; ₹4,000 total per cycle. Cashback auto-credited within 2 days of the next statement.

Which credit card is best for IRCTC?

IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The Cashback SBI Credit Card ranks #141 of 149 cards we compared.