sbi irctc rupay credit card coupon code

• 🎁 Welcome Bonus – 350 Reward Points on ₹500 spend (within 60 days)

• 🎉 Renewal Benefit – 500 Reward Points every year

• 🚆 Value Back – Up to 10% Reward Points on IRCTC AC bookings

• 💳 Everyday Rewards – 1 RP per ₹125 spent (non-fuel retail & IRCTC app/site)

• 💸 Fee Waiver – 1% transaction charges waived on IRCTC bookings

• ⛽ Fuel Surcharge Waiver – 1% off on transactions ₹500–₹3,000 (max ₹100/month)

• 🛋️ Lounge Access – 4 free railway lounge visits per year (1/quarter)

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