Frequently Asked Questions

Q1.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 the benefits of the IRCTC SBI Card
by linking the IRCTC SBI Card loyalty number to his/her
existing irctc.co.in login id.

Q2.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 “Link Loyalty Number”.
> 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

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 your IRCTC SBI Card loyalty number with your
existing www.irctc.co.in login id and password.

Q3.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.

Q4.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.

Q5.How to reset your transaction password?

> To reset transaction password click on 'Forgot
transaction password' 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.

Q6. How do I check my reward point balance?

The reward point balance is available on the home screen
on logging @www.irctc.co.in, using irctc.co.in login id
and password which is linked to the IRCTC SBI card
loyalty number.

Q7. 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
login id and password to be used for IRCTC SBI Card
loyalty account. Please login using your linked login id
and password. In case you don't know your login id and
password, then please contact customer support at 011-
39340000 or mail us at loyaltyprogram@irctc.co.in.
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Q8.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
login ID.
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.
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.

Spend Spend Reward

Category Period Points

AC I /II/III Travel dates 4 Points

/ Chair Car between 1st April-
/Executive 14th July and 16th
Chair Car Sep - 14th Jan

Travel dates 10 Points

between 15th Jan -
31st Mar and 15th
July - 15th Sep

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 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:

Date of Travel 01 May, 2020 01 August, 2020

Award Qualification Express Reward Super-fast

Reward

Class of Travel AC 2 tier AC 2 tier

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

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

Q9. 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.
b) After entering the journey details, opt the check box
“Redeem soft points”.
c) The cardholder can redeem Reward Points for
confirmed/RAC/WL tickets on 1st Class AC, AC 2Tier,
AC 3Tier, Executive Chair Car & AC Chair Car Travel.
d) The Cardholder necessarily must be one of the
passengers on the ticket and can redeem the Reward
Points for free rail tickets for himself/herself and for
loved ones.
e) Reward Points can be redeemed in multiples of `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 `1.50 (plus taxes) per Reward point.
g) Redemption can be made only against the total ticket

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 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.

Q10. What is the value of one Reward Point?

1 Reward Point = Rs.1

Q11.What is the minimum threshold for redeeming

Reward points?
The cardholder can start redeeming the Reward Points on
accrual of minimum 500 Travel Reward Points earned
through travel on tickets purchased at www.irctc.co.in or
500 Reward Points earned through non-fuel retail spends
on the card. For all subsequent redemption, the customer
needs to have 500 Travel Reward Points earned through
travel on tickets purchased at www.irctc.co.in or 300
Reward Points earned through retail spends on the credit
card.

Q12. 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 05.09.19
to04.07.20 and points accrued during 05.09.19
to04.07.20 is 1050,the expiry date for the points accrued
during 05.09.19 to 04.07.20 would be 05.09.22 i.e. three
years from the date of registration. If the member has
redeemed 1000 points before 05.09.22 then the system
shall expire the balance of 50 points from the
membership account on 05.09.22. 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.

Q13. Are Reward Points transferable?

Reward Points are not transferable and cannot be
combined with the Points accrued on any other SBI Card
account.

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Q14.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.

Q15.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.

Q16.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

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 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.

Q17.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.

Q18.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 for tickets
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.

Q19. 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.

Q20. 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.

Q21.Are the reward points awarded on discounted

tickets? Wi l l the card holder get Points on
concessional tickets?
No, Travel Reward Points will not 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.