The IRCTC card by SBI can enable you to get free train tickets and thereby helps you save on money for travel. If you book an AC ticket, you can get up to 10% cashback (except 3 AC). On the website, you pay 0 transaction charges! You can also earn 1 point for every Rs.125 spent.
The redemption of these points can be made only against the total ticket fare, inclusive of IRCTC service charges. You also get a complimentary personal accident rail insurance that is actually worth Rs.10 lakhs. You can also enjoy 0% fuel surcharge at any petrol bunk. You also have other benefits like balance transfer and flexipay.