Get Free Tickets!! Loyalty Scheme

IRCTC SBI Loyalty Free Ticket Shubh Yatra Scheme Card
IRCTC Loyalty Free Ticket Shubh Yatra Scheme

Credit Cards by IRCTC Details

Details of Credit Card by IRCTC, including Contactless Credit Card by IRCTC and SBI Card, IRCTC Shubh Yatra Loyalty Scheme Card are here.

Contactless Credit Card by IRCTC and SBI Card

IRCTC and SBI Card launch Co-branded Contactless Credit Card on RuPay Platform

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 swiping 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.

Features of IRCTC SBI Co-branded Platinum Card ( On RUPAY Platform )

  • First Year Membership Fee – Rs.500; Annual Renewal Fee – Rs.300 (taxes & transaction charges extra, as applicable).
  • First Year Membership Fee – Rs.500 is waived off for all new card registrations till 31.03.2021.
  • Get 350 Activation bonus Reward points on a spend of Rs. 500 or more within 45 days of card issuance. Each Reward point is equal to Rupee 1.
  • Upto 10% Value Back on 1AC, 2AC, 3AC, CC or EC class booking for ticket purchases at IRCTC website
    • 4% value back (4 Reward Points per Rs. 100 for Travel dates between 1 April – 14July and 16 Sep – 14 Jan).
    • 10% value back (10 Reward Points per Rs. 100 for Travel dates between 15 Jan – 31 Mar and 15 July – 15 Sep).
  • 1 Reward Point for every Rs. 125 spent on retail purchases including Railway ticket purchases at (1 Reward point = 1 Rupee). Card can be used anywhere in POS terminals or on online websites.
  • 1% Transaction charges waiver on Railway ticket booking at IRCTC website.
  • 1% fuel surcharge waiver across all Petrol pumps.
  • 4 Premium Lounges Access at Railway Stations in a year (Maximum 2 per Quarter)

IRCTC Shubh Yatra Loyalty Program – Free Tickets

IRCTC offers Shub Yatra Loyalty scheme card for regular passengers. This is not a new initiative its being active more than 10 years. However now its rewarmed to new scheme with IRCTC SBI Platinum Card. For getting benefits to all passengers we are updating those important details to all.

As the heading says, its possible to get Free Indian Railway tickets by the help of this scheme when you are a frequent travel passenger.

Benefit of Shubh Yatra ( IRCTC Loyalty Scheme )

  • Get back up to 10%* of your AC ticket fare as Railway Points. 
  • You can use these Railway Points to get free tickets at, once you have accumulated 500 Railway Points in your account.

More benefit of IRCTC Loyalty Scheme are following.

* Upto 10% value back as Reward Points for railway ticket purchases
*350 bonus Reward Points on activation
*1.8% transaction charges waiver, on railway ticket bookings on
*1% fuel surcharge waiver at all petrol pumps

Befits SBI Indian Railways Credit Card

  • Programme benefits are available only on railway tickets booked at
  • Scheme is valid for normal users only.
  • SBI Card Travel Reward Points can be earned on 1st Class AC, 2nd Class AC, 3 rd Class AC Executive Chair Car and AC Chair Car travel only.
  • Reward Points are not earned on 3E and SL Class tickets.
  • SBI Card Travel Reward Points are only awarded for individual loyalty member’s fare tickets and are not awarded on voucher transactions.
  • You necessarily must be one of the passengers on the ticket to earn SBI Card Travel Reward Points.
  • SBI Card Travel Reward Points shall accrue to your account only 5 days after the date of your journey provided your ticket has not been cancelled.
  • First Year Membership Fee – Rs.500; Annual Renewal Fee – Rs.300 (taxes & transaction charges extra, as applicable).

How to earn Indian Railway Loyalty Points

The following Points Chart explains your Railway Points entitlement based on date of travel.

Express Rewards
Super Fast Express Rewards
4 Railway Points for every Rs. 100 spent 10 Railway Points for every Rs. 100 spent
(Valid on tickets with Date of Travel between April 1 – July 14 and September 16 – January 14)(Valid on tickets with Date of Travel between January 15 – March 31 and July 15 – September 15)
  • Railway Points will always be rounded off to the lower integer.
  • Each Railway Point is equivalent to Rs 1/- of your ticket fare when redeeming these Railway Points for future ticket purchases.
  • Railway Points will be valid for a period of 3 years from the date of member’s registration.
  • However, irrespective of the 3-year validity period, Railway Points lapse if membership is not renewed.

How to redeem Indian Railway Loyalty Points

Access with your own login (username and password).

Do AC class (1st Class AC, 2nd Class AC, 3rd Class AC, Executive Chair Car, Anubhuti Chair Car and AC Chair Car) booking and choose the Redeem Loyalty points option to pay for your travel ticket.

You may redeem Railway Points in multiples of Re 1.

Redemption can be made only against the total ticket fare (inclusive of IRCTC convenience fee). You cannot redeem SBI Card Travel Reward Points for individual fares.

Cancellation of a Redeemed Ticket

  • If you cancel a redeemed ticket before the date of journey, you forfeit 50% of the Railway Points, over and above the existing cancellation charges as per the Indian Railway Commercial Rule.
  • Remaining Reward Points will be credited back to your account.
  • On cancellation of redeemed tickets, only Railway Points would be credited back and not cash. You can cancel a redeemed ticket only at physical counters (PRS). Only e-tickets can be cancelled online at

Validity of Points

SBI Card points (SBI Travel Reward Points, SBI Reward Points and Purchase Points) will lapse on expiry of three years from the date of expiry of the membership.

For example: if account year for membership no 123456789 lies from 05.09.06 to 04.09.07 and accrued points during 05.09.06 to 04.09.07 were 1050, the expiry date for the points accrued during 05.09.06 to 04.09.07 would be 04.09.09 i.e. three years from the date of expiry.

If the cardholder has redeemed 1000 points before 04.09.09 then the system shall expire the balance of 50 points from the membership account on 04.09.09. However, irrespective of the three year validity period, SBI Cards Points (SBI Travel Reward Points, SBI Reward Points and Purchase Points) will lapse if cardholder does not renew his/her membership.

How to Register IRCTC Loyalty Program?

  • You need to be a registered user of IRCTC to apply for Shubh Yatra or the SBI Railway Card online. New users Sign up If you are a registered user, login with your username and id .

You will get additional e-Voucher upon completion of registration just by entering Referral Code = 2pzNJ80C3Tc in the form. Note: This is limited period offer SBI Card may change this any time. Make use of this as soon as possible.

For the SBI Railway Card you can also directly online here or call the 24 hr customer helpline at 39 02 12 12 (1800 180 1295 from MTNL/BSNL lines)


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