IRCTC FAQ

Frequently

Asked

Questions

Frequently Asked Questions

1. What is IRCTC SBI Card loyalty number?

Your IRCTC SBI Card loyalty number is a 11 digit number

which gets allocated on approval of IRCTC SBI Card. The

Loyalty number is embossed below the cardholder name

on the IRCTC SBI card plastic.

Cardholder shall avail ze benefits of the IRCTC SBI Card

by linking the IRCTC SBI Card loyalty number to his/her

existing irctc.co.in login id.

2. How to link your IRCTC SBI Card loyalty number with

irctc.co.in login id?

You can link the 11 digit loyalty number post activation of

your IRCTC SBI Card. Your IRCTC SBI card is activated as

soon as you make your first purchase with the IRCTC SBI

Card or make a payment on your card.

Kindly link your loyalty account 5 days after activation.

Please use the same email id, mobile no. & date of

birth which was mentioned at the time of applying for

IRCTC SBI Card.

Steps for linking the loyalty number with irctc.co.in login

id are mentioned below:

• Access www.irctc.co.in with your existing login id

(username and password). In cases where the

cardholder does not have an existing irctc.co.in login

id, cardholder shall register at irctc.co.in using sign up

link at https://www.irctc.co.in

• Select the option Add Loyalty Account link provided

under Loyalty Account Tab.

• The cardholder has to enter the 11 digit Loyalty

Number printed on his/her IRCTC SBI Card, then click

on sent OTP.

• Enter the OTP received on your registered mobile

number and click on Confirm.

• After entering the OTP cardholder will receive

confirmation message of successful linking of Loyalty

Account.

• You can check your Loyalty Account details under the

“Loyalty Account tab”.

• You will not be able to successfully link the IRCTC SBI

Card loyalty number

in case there is a mismatch in the

email id, mobile no. or date of birth mentioned in your

IRCTC SBI Card and IRCTC profiles. Please call SBI

Card helpline at 39021212 if you are unable to link

your IRCTC SBI Card loyalty number with your

existing www.irctc.co.in login id and password.

3. When does the cardholder need transaction password?

Transaction password is different from your irctc.co.in

profile password. The transaction password can be set

and reset as mentioned in the points 4 and 5. Transaction

password is required to be entered at the time of

redemption of reward tickets.

4. What is the process of setting transaction password?

• The Cardholder can set transaction password by

clicking on 'Please set your Transaction Password”

post login.

• Cardholder has to enter registered e-mail id and login

password.

• Enter OTP sent to registered mobile number and set

new password by following password instructions.

• After submitting the details, cardholder will get the

confirmation.

5. How to reset your transaction password?

• To reset transaction password click on ‘My Account’

under “My profile” Tab.

• Enter the OTP which is sent to your registered mobile

number linked with User Id.

• After resetting the password screen will show the

confirmation message.

6. How do I check my reward point balance?

The reward point balance is available in loyalty tab on

logging @www.irctc.co.in, using irctc.co.in login id and

password which is linked to the IRCTC SBI card loyalty

number.

7. Why is the reward point balance screen not visible

after logging @ www.irctc.co.in ?

For cardholders who have card account opening date

after 15th Jan 2017, please ensure that you have linked

your IRCTC SBI Card 11 digit loyalty number to your

existing login id and password.

Refer point 2 - How to link your IRCTC SBI card loyalty

number. After successful linking of the loyalty number,

cardholder will be able to view the reward point balance.

For cardholders who have account opening date prior to

15th Jan 2017, all the cardholders were mailed a new

loyalty account. Please login using your linked login id

and password. In case you don't kno

w your login id and

password, then please contact customer support at 011-

39340000 or mail us at loyaltyprogram@irctc.co.in.

8. How to earn Reward Points on your IRCTC SBI Card?

On Railway Ticket Spends:

a) The cardholder needs to be a registered user of

www.irctc.co.in .

b) The Cardholder will have to book railway tickets at

www.irctc.co.in while using IRCTC SBI Card.

c) The Cardholder necessarily must be one of the

passengers on the ticket. Also, Reward Points will be

awarded only on cardholder's individual fare.

d) Reward Points can be earned on 1st Class AC, ACII

Tier, ACIII Tier, Executive Chair Car and AC Chair Car

travel only. Tickets purchases at the Passenger

Reservation System counters shall not entitle the

cardholder to these benefits.

e) The cardholder can get up to 10% Value back on AC

ticket fare as Reward points only if :

i. The cardholder activates his/her IRCTC SBI Card

and has linked loyalty number with his/her IRCTC

ii. The railway tickets are booked online at

www.irctc.co.in through HDFC or CITI PG with 11

digit loyalty number as shown on the IRCTC SBI

Card.

f) Reward Points shall accrue only on Base Fare of the

passenger's ticket. Reward Points shall not accrue on

Reservation Charges, Superfast Charges and Other

Charges or taxes, if any, included in the total Amount

Charged for the Railway Ticket.

Spend

Category

AC I /II/III

/ Chair Car

/Executive

Chair Car

Spend

Period

Travel dates

between 1st April-

14th July and 16th

Sep - 14th Jan

Travel dates

between 15th Jan -

31st Mar and 15th

July - 15th Sep

Reward

Points

4 Points

10 Points

g) Reward Points shall accrue to Cardholder's account

only 5 days after the date of journey provided the

ticket has not been cancelled, advanced, postponed

or modified in any manner. These Reward Points are

credited in IRCTC loyalty account of the cardholder

h) Up to 10% value back on all AC ticket purchases is

also applicable on discounted train ticket bookings.

9. What is the process of redeeming Reward Points?

a) Access www.irctc.co.in with your login credentials

(username and password),which are linked with your

loyalty number.

Date of Travel 01 , 2020 01 , 2020

Award Qualification Express Reward Super-fast

Reward

Class of Travel 1st class AC, 1st class AC,

AC2 Tier, AC3 Tier, AC2 Tier, AC3 Tier,

& AC CC. & AC CC.

Fare* ` 2210 ` 2210

Points calculator 4% OF 10% of

` 2210 = 88.4 ` 2210=221

Point accrued 88 Reward points 221 Reward Points

Date of Accrual 06 May, 2020 06 August, 2020

May August

For your convenience

• Reward Points will always be rounded off to the

lower integer

• Each Reward Point is equivalent to `1 of your

ticket fare when redeeming these Reward Points

Please read through the following illustration to

understand the accrual process:

On Non-Fuel Retail Purchases.

1 Reward point on every `125 spent on non-fuel retail

transactions including railway ticket purchases at

www.irctc.co.in

The Reward Points earned on Non-Fuel Retail

Purchases are transferred from IRCTC SBI Card

account to customer’s IRCTC loyalty account by

15th of every month.

b) After entering the journey details, opt for the

redemption option.

c) The cardholder can redeem Reward Points for

confirmed/RAC/WL tickets on 1st Class AC, AC

2Tier, AC 3Tier, Executive Chair Car and AC Chair Car

Travel.

d) The Cardholder can redeem the Reward Points for

free train tickets for himself/herself and for his/her

loved ones.

e) Reward Points can be redeemed in multiples of Rs.1.

f) If the reward points are not sufficient, the cardholder

can also top up the Reward Points by purchasing them

online at cost of Rs.1.50 (plus taxes) per Reward

point.

g) Redemption can be made only against the total ticket

cost, including service charges levied by IRCTC. The

cardholder cannot redeem Reward Points for

individual passenger fares.

h) If there is more than one passenger on the redeemed

ticket, the cardholder will have to redeem the Reward

Points equivalent to the total fare of all passengers.

Part payment cannot be made for such a ticket. A

separate ticket needs to be booked, if the cardholder

would like to redeem points only for himself/herself.

i) You will also need to enter your transaction password

to complete the redemption.

10. What is the value of one Reward Point?

1 Reward Point = Rs.1

11. What is the validity of the Reward Points?

Reward Points will lapse after the expiry of three years

from the date of registration of membership.

For Example: Let us suppose Account year for

Membership No 123456789 lies from 05.09.18 to

04.09.19 and points accrued during 05.09.18 to

04.09.19 is 1050, the expiry date for the points accrued

during 05.09.18 to 04.09.19 would be 05.09.21 i.e. three

years from the date of registration/Renewal. If the

member has redeemed 1000 points before 05.09.21 then

the system shall expire the balance of 50 points from the

membership account on 05.09.21. However, irrespective

of the three year validity, Reward Points will lapse if you

do not renew your membership.

For details, please refer to Terms & Conditions booklet.

12. Are Reward Points transferable?

Reward Points are not transferable and cannot be

combined with the Points accrued on any other SBI Card

account.

13. Can the cardholder top up his/her Reward Points?

The cardholder can either buy Reward Points while

booking the ticket or choose to do so even before the

ticket booking process is initiated,

• If there is shortfall at the time of making payment for

the ticket, click on the "Purchase IRCTC points”

option in the loyalty account tab and purchase the

additional Reward Points at the cost of Rs.1.50 +

applicable taxes per Reward Point.

• Or purchase Reward Points in advance by accessing

your account online at www.irctc.co.in and click on

"Purchase IRCTC points" in the loyalty account tab.

14 What is the process for cancellation of Reward

Tickets?

• Reward tickets will be permitted to be cancelled

either on the counters or in the system (depending on

whether they are I-tickets or E-tickets). Incase of

cancellation of a redeemed ticket before the date of

journey, 50% of the reward points (SBI Travel Reward

Points, SBI Reward Points and Purchase Points) would

be forfeited. This would be over and above the

existing cancellation charges as per the Indian

Railway Commercial Rule. Remaining Reward Points

(SBI Travel Reward Points, SBI Reward Points and

Purchase Points) will be credited back to your

account.

• On cancellation of redeemed tickets, only Reward

Points (SBI Travel Reward Points, SBI Reward Points

and Purchase Points) would be credited back and not

cash.

• Please retain your original tickets till the mileage

credit appears on your mileage statement. Report all

omissions/discrepancies online at care@irctc.co.in

• In case of loss of redeemed ticket, a duplicate ticket

shall be issued according to the then applicable rules

of Indian Railways.

15. What will happen to the Reward Points, in case the

cardholder forgets to pay the renewal fees?

IRCTC, as a special privilege, extends a grace period of

ninety days from the date of expiry of the membership for

payment of renewal fees for an account. During this

SBI Cards & Payment Services Pvt. Ltd.

P.O. Bag No. 28, New Delhi - 110 001

Please visit our website at : www.sbicard.com

IRCTC Platinum

SI03122018

period though accrual of Reward Points shall be

permitted, no redemption of Reward Points can be

availed. After the expiry of this grace period and non-

payment of renewal fees, the account expires and Reward

Points shall lapse permanently.

16. Does a cardholder earn Reward Points for mobile App

booking too?

No, the cardholder will not be eligible for Travel Reward

Points on tickets booked on mobile App.

17. The total amount debited to the credit card is more

than the actual fare amount, but why are the Reward

Points getting accrued for only the fare amount?

There are courier/delivery charges levied fortickets

booked on IRCTC website. This may be up to Rs.60 per

ticket. There is also a 1.8% transaction fee +GST on credit

card transactions on IRCTC. However, Reward Points

accrue only on the ticket fare.

18. In case the cardholder forgets to quote the IRCTC SBI

Card loyalty number for ticket booking, can he/she

get the Reward points later by quoting the number?

No, the cardholder must mention the IRCTC SBI Card

loyalty number at the time of booking the tickets to avail

the benefits.

19. Can redemption be made against part fares?

No, redemption can be made only against full fare of

ticket, inclusive of all the passengers and service charges

by IRCTC.

20. Are the reward points awarded on discounted tickets?

Will the cardholder get Points on concessional

tickets?

Yes, Travel Reward Points will be awarded on

concessional tickets, including ticket for senior citizens.

No Travel Reward Points will be awarded for voucher

transactions like Military warrants, PTO's etc.