PhonePe SBI Card PURPLE on IRCTC
Yes. The PhonePe SBI Card PURPLE gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
On IRCTC
2%
Other spends
1%
Rank for IRCTC
#24 of 149
Annual fee
₹499 + Taxes
What to know before you pay on IRCTC
Cap on IRCTC
Max ₹750 a month (750 points on online spends)
How it works
3% on PhonePe bills, recharges and travel, 2% on other online spends, 1% elsewhere, with points worth ₹1. Caps cut from 1 July 2026.
Caps & rules
- 3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere.
- 1 point = ₹1.
- ₹499 fee waived at ₹1 Lakh.
Reward limits
- 3% on PhonePe spends: max 1,000 points per month
- 2% on other online spends: max 750 points per month
No rewards on
Fuel, rent, wallet loads; from 1 Jul 2026 tolls, jewellery, education and non-PhonePe utilities
Checked 2026-10-11 · Bank terms
Cards that earn more on IRCTC
-
#1
IRCTC SBI Card Premier
SBI Card · ₹1,499 + Taxes
10%
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#2
6.67%
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#3
YES Bank POP CLUB Credit Card
YES Bank · Free · No cap
5%
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Where else the PhonePe SBI Card PURPLE earns more
Questions
Does the PhonePe SBI Card PURPLE give rewards on IRCTC?
Yes. The PhonePe SBI Card PURPLE gives 2% back when you pay on IRCTC directly, compared with 1% on its other spends.
Is there a limit on PhonePe SBI Card PURPLE rewards?
3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere. 1 point = ₹1. ₹499 fee waived at ₹1 Lakh.
Which credit card is best for IRCTC?
IRCTC SBI Card Premier gives the most on IRCTC, 10% back. The PhonePe SBI Card PURPLE ranks #24 of 149 cards we compared.