Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance

10% value back on ticket purchases made from IRCTC

Save 1% transaction charges on railway ticket bookings

Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases

The fuel surcharge of 1% waived off on all fuel purchases

Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)

AGE: The applicant must be at least 18 years old

EMPLOYMENT: The primary applicant must be either salaried or self-employed

INCOME PROOF: Pay slips (last six months)

CREDIT HISTORY: Applicant must have a good credit score(750+)

SBICPSL & IRCTC may at any time, without giving notice, change the points structure by revising the Reward Points required to attain a particular complimentary ticket, stipulate a specified period during which Reward points cannot be redeemed, limit the number of seats available for the redemption of Reward points to any or all destinations or on certain specified routes, alter the number or types of journeys required to obtain a particular complimentary ticket, change or withdraw programme partners' affiliations, change the parties from which a complimentary ticket may be obtained/redeemed, change the length of time after being awarded within which Reward points must be redeemed, impose a time limit upon the validity for redemption of any Reward points issued by SBICPSL or any Programme partners, introduce and or review membership fees: and modify the procedures and rules relating to ticketing on redemption of reward points or other aspects of the membership programme