IRCTC loyalty programs reward frequent train travellers with points that can be redeemed for free tickets and upgrades. The IRCTC SBI Rewards Card and the IRCTC iMudra program are the primary loyalty schemes available in 2026. According to IRCTC, over 3 crore users are enrolled in loyalty programs, earning points on every booking. This guide explains how each program works, how to earn and redeem points, and which offers the best value for regular travellers.
Table of Contents
IRCTC SBI Rewards Card
The IRCTC SBI Platinum Card earns 4 reward points per 100 rupees spent on IRCTC ticket bookings. Points can be redeemed against railway tickets. Annual fee is 500 rupees, waived on spending 2 lakh per year. The card also offers 350 rupees railway ticket booking voucher on joining. Interest rates range from 22 to 44 percent annually.
IRCTC iMudra Program
IRCTC iMudra is a digital wallet that earns cashback on train bookings. Users earn 1 percent cashback on AC class bookings and 0.5 percent on Sleeper class. The wallet can be used for recharges, bill payments and ticket purchases. No annual fee. KYC verification required for transactions above 10,000 rupees per month.
Program Comparison
| Feature | SBI Rewards Card | iMudra Wallet |
|---|---|---|
| Reward Rate | 4 points per 100 | 1 percent cashback |
| Annual Fee | 500 rupees | None |
| Redemption | Railway tickets | Recharges, bills |
| Joining Bonus | 350 rupees voucher | None |
| Max Benefit | Heavy travellers | Casual users |
Tips for Maximising Rewards
| Strategy | Benefit |
|---|---|
| Book AC class tickets | Higher reward points |
| Use card for 2 lakh+ per year | Annual fee waived |
| Combine iMudra + SBI Card | Stack rewards |
| Book during offer periods | Extra cashback |
You May Also Like: Indian Railways 2026, Best Train Travel Apps, and Tatkal Booking Guide.
Frequently Asked Questions
How do I earn IRCTC reward points?
Use the IRCTC SBI Rewards Card for ticket bookings and earn 4 points per 100 rupees spent.
Can I redeem points for free tickets?
Yes, reward points can be redeemed against railway ticket purchases on the IRCTC website.
What is IRCTC iMudra?
A digital wallet that offers 1 percent cashback on AC bookings and 0.5 percent on Sleeper class. No annual fee.
Is the SBI Card annual fee worth it?
If you spend more than 2 lakh per year on IRCTC, the 500 rupee fee is waived and rewards outweigh costs.
Can I combine both programs?
Yes, use iMudra wallet for payments and SBI Card as the funding source to stack rewards.
How to check reward points balance?
Check on the SBI Card portal or the IRCTC iMudra app under My Rewards section.