How To Redeem SBI IRCTC Credit Card Reward Point ?


Learn in easy steps to redeem the reward point of SBI IRCTC Credit Card. The major benefits are :

  • Buy tickets through for AC1, AC2. AC3 and AC CC and earn upto 10% Valueback as Reward points. (1 Reward Point = Rs. 1)
  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at
  • Save 1.8% transaction charges on railway ticket bookings on
  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3,000, exclusive of GST and other charges

Steps for linking the loyalty number with login id are mentioned below:

• Access with your existing login id (username and password). In cases where the cardholder does not have an existing login id, cardholder shall register at using sign up link at

• 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”

ERROR : Many a time, while additing the loyalty membership number, it shows an error ” Email Id is not matched with profile email id”, in such cases, verify the email id registered with the IRCTC SBI Credit card under profile section. You may update the email id after following the SBI Card application–>Profile–>Update eMail Id. It may be updated using the OTP.

SBI IRCTC Credit Card

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 login id and password.

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