Q: How do I use reward points to book train tickets? 

Reward points earned on the SBI IRCTC card can be redeemed directly on IRCTC to offset ticket costs. Log in to IRCTC, select "Pay using reward points" at checkout.

Q: Does the 10% value-back apply to all IRCTC bookings? 

The accelerated reward rate applies to AC class bookings (1A, 2A, 3A, CC, EC) made through the IRCTC website or app. Non-AC and unreserved tickets may earn a lower rate — verify with SBI Card's latest T&C.

Q: Is there a monthly cap on the 10% value-back on IRCTC? 

Yes — reward points accumulation may be subject to monthly or annual caps. Check the latest SBI IRCTC card terms for current cap limits