Credit Card Rating
/ 5 ( Reviews)
Rate SBI IRCTC Credit Card
Launched in association with IRCTC, this SBI Card offers multiple travel benefits to the users at a minimal annual fee. It offers value back on booking tickets through IRCTC along with rewards on other purchases. Read on to know more about IRCTC SBI Platinum Credit Card.
Best suited for
- WELCOME OFFER
- TRAVEL
- DINING
Fee
Annual Fee: ₹ 300
Joining Fee: ₹ 500
Highlights & Rewards 
Highlights
Rewards Value
Highlights- Get 350 activation bonus Reward Points on single transaction of ₹500 or more within 45 days of card issuance
- Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
- Get 1 Reward point for every ₹125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in
Rewards Value- ₹125 = 1 Reward Point (Spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in)
- 1 Reward Point = ₹1
- Save upto ₹9964 on Annual Spend of ₹4 Lakh
Apply now for IRCTC SBI Platinum Credit Card
Find your perfect Credit Card
Best Suited For – Booking Tickets through the IRCTC Portal
- Exclusive Value Back on AC Ticket Booking
- Transaction Cahrges Waiver at IRCTC Platform
- Special Travel Packages
Get IRCTC SBI Platinum Credit Card Now
*Offers are from Paisabazaar's partner Banks & NBFCs.
OTP Verification
Find Similar Credit Cards from Other Banks 
HDFC Platinum Times Credit Card
- Welcome e-vouchers worth ₹15K across various categories. Visit www.hdfcbank.timescard.com to view the range of welcome offers
- 10 Reward Points on every ₹150 spent on dining spends on weekdays (Mon-Fri)
- 3 Reward Points on every ₹150 spent
Yatra SBI Card
- Get Yatra.com vouchers worth ₹8,250 on joining
- 6 Reward Points on every ₹100 spend on Departmental Stores, Grocery, Dining, Movies, Entertainment and International spends
- 1 Reward Point on every ₹100 spent on all other categories
ICICI Platinum Chip Credit Card - Visa
- Minimum 15% savings on dining at over 800 restaurants courtesy our Culinary Treats program
Indusind Platinum Credit Card
- Get gift vouchers from selected brands*
- Access to 600+ lounges across the globe*
- Enjoy 1% Fuel surcharge waiver within India*
Eligibility and Documentation
| Criteria | Details |
|---|---|
| Occupation | Salaried and Self-Employed |
| Minimum Income for Salaried Applicants | Rs. 20,000 per month |
| Minimum Income for Self-Employed | Rs.30,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
Along with the duly filled application form, SBI Card will also require valid proof of identity, address and income. Given below is the list of acceptable documents.
Features
- Welcome Benefit
Get 350 activation bonus Reward Points on spending Rs.500 or more in the first 45 days.
- Value Back on IRCTC
Get 10% value back as reward points when booking AC1, AC2. AC3 and AC CC tickets on IRCTC
- Reward Points
Earn 1 Reward Point for every Rs.125 spent on retail, including Railway tickets
- Fuel Surcharge Waiver
Get 1% fuel surcharge waiver, upto Rs.100 per month.
- Available in Rupay Variant
On 28th July 2020, SBI Card has launched its IRCTC Card in Rupay Variant with 4 complimentary visits at participating railway lounges and no joining fee till 31st March 2021. Rest of the features remain the same.
Watch this video
SBI IRCTC credit card is best suited for frequent travellers. Along with Value back benefits, you also get travel offers from IRCTC. The key features of this credit card are explained in this video:
SBI IRCTC credit card is best suited for frequent travellers. Along with Value back benefits, you also get travel offers from IRCTC. The key features of this credit card are explained in this video:
Benefits
Fee and Charges
| Title | Details |
|---|---|
| Annual Fee | Rs. 500 + applicable taxes |
| Renewal Fee | Rs. 300 + applicable taxes |
| Free Credit Period | Nil |
| Add-on Fee (per annum) | Nil |
| Extended Credit Interest-Free Credit Period | 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full |
| Extended Credit Charges/ Cash Advance Charges | Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction |
| Cash Advance Limit | Up to 80% of the credit limit, maximum Rs. 15,000 per day |
| Cash Advance Fee SBI or Other Domestic ATMs | 2.5% of withdrawal or Rs. 300 per transaction, whichever is higher |
| Cash Advance fee International ATMs | 3.0% of withdrawal or Rs. 300 per transaction, whichever is higher |
| Overlimit Charges | 2.5% of the over-limit amount subject to a minimum of Rs. 500 |
| Late Payment Charges |
|
SBI Credit Card Customer Care Details
| Customer Care Toll-free Number | 1860 180 1290 1800 180 1290 |
| Alternate Number (Local charges may apply) | (STD Code) 39020202 |
Check More Cards from SBI Bank 
SimplySAVE SBI Card
- Spend ₹2,000 or more in first 60 days and get 2,000 bonus Reward Points
- Get ₹100 cash back on your first ATM cash withdrawal, within first 30 days of receiving card
- Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends
SimplyCLICK SBI Card
- Get Amazon.in gift card worth ₹500 on joining
- Earn 10X Reward Points on online spends with exclusive partners
- Earn 5X rewards on all other online spends
Air India SBI Platinum Card
- Get 5,000 Reward points as a welcome gift on the payment of your joining fee
- Get upto 15,000 bonus Reward points annually
- Earn upto 15 Reward Points for every ₹100 spent on Air India tickets booked through airindia.com, airindia mobile app
Air India SBI Signature Card
- Get up to 1,00,000 bonus Reward points annually
- Get 20,000 Reward points as a welcome gift on payment of your joining fee
- Anniversary Gift of 5,000 Reward Points
STYLEUP Contactless Card
- Welcome gift of ₹500 worth Fbb gift voucher within 15 days of annual fees payment
- 10X Reward Points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures
- Anniversary gift of 2,000 Bonus Reward Points every year
SBI Card ELITE
- Earn upto 50,000 Bonus Reward Points worth ₹12,500/ year
- Welcome e-Gift Voucher worth ₹5,000 on joining
- Get free movie tickets worth ₹6,000 every year
Yatra SBI Card
- Get Yatra.com vouchers worth ₹8,250 on joining
- 6 Reward Points on every ₹100 spend on Departmental Stores, Grocery, Dining, Movies, Entertainment and International spends
- 1 Reward Point on every ₹100 spent on all other categories
SBI Card PRIME
- Welcome e-gift Voucher worth ₹3,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Shoppers Stop and Yatra.com
- Get 20 Reward Points per ₹100 spent on standing instructions of Utility Bills payments
- Enjoy 20 Reward Points per ₹100 spent on your birthday
BPCL SBI Card
- Get 2,000 Activation Bonus Reward Points worth ₹500 on payment of joining fee
- 5X Reward Points on every ₹100 spent at Groceries, Departmental stores, Movies & Dining
- Get 1 Reward Point for every ₹100 spent on non-fuel retail purchases
Apollo SBI Card
- Get 500 Reward Points worth ₹500 on payment of joining fee
- Complimentary Apollo Silver Tier Membership
- 3X Reward Points on every ₹100 spent on all Apollo services
Etihad Guest SBI Card
- Welcome 2500 Etihad Guest Miles*
- 5,000 Etihad Guest miles on annual spends of 5 lakhs*
- 3 Etihad Guest Miles on every ₹100 spent on Etihad.com*
Club Vistara SBI Card PRIME
- Enjoy 1 Premium Economy class ticket E-Gift Voucher (base fare waived off) on payment of Annual fee*
- Enjoy 8 complimentary visits per year to Domestic Airport lounges (subject to a max of 2 per quarter)*
- Get 1 Hotel E-Voucher from Yatra worth ₹10,000 on reaching annual spends of ₹8 lakhs*
Club Vistara SBI Card
- Enjoy 1 Economy class ticket E-Gift Voucher (base fare waived off) on payment of Annual fee*
- Get 1 Economy class ticket each on annual spends of ₹1.25 lakhs, ₹2.5 lakhs & ₹5 lakhs*
- Enjoy 4 complimentary visits per year to Domestic Airport lounges (subject to a max of 1 per quarter)*
IRCTC SBI Card Premier
- Avail Movie voucher worth ₹500 from Book my show* on spends of ₹2000 within first 60 days
- 3 Reward points per ₹125 on Dining and Utility spends*
- 10% Value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on www.irctc.co.in*
How to Apply for SBI IRCTC Credit Card
You may apply for this credit card through our website. The steps are:
- Click here to start the application
- Enter basic details such as contact number, income, occupation, etc.
- Select the SBI IRCTC Credit Card from the list and proceed with the eligibility check by providing required details
- If eligible, proceed with the application by providing personal details and employment details
- Verify the mobile number by entering the OTP received
Once completed, the applicant will get a call from SBI Card for document collection. A field agent will come to collect the document. Once the documents are verified, the credit card will be issued.
FAQs
What is the travel offer by IRCTC on this card?
The cardholder saves 1.8% transaction charges on train ticket bookings done on IRCTC website.
What are additional SBI IRCTC credit card benefits?
Cardholders get Value Back Benefits through SBI IRCTC credit card. They get up to 10% value back as reward points on booking AC1, AC2, AC3 and AC CC tickets through the IRCTC website.
What is the Renewal Fee on this credit card?
The Renewal Fee on this credit card is Rs. 300.
What transaction surcharge waivers do this card offer?
Users can save on Fuel Surcharge and transaction charge on railway ticket bookings done via IRCTC website.
Cards Similar to SBI IRCTC Credit Card
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
Rs.499 | Avail 15% discount on tickets for Ferrari World Abu Dhabi Earn 2 PAYBACK Points for every Rs.100 spent on retail purchases | 3.2/5 | |
Rs. 499 | Earn 6 Reward Points per Rs. 100 spent on Departmental Stores, Groceries, Dining, Movies, Entertainment and International expenditure Enjoy Fuel Surcharge waiver | 3.4/5 | |
NIL | Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift Get complimentary MMT Black Membership | 3.3/5 | |
Rs. 1,500 | Get Domestic Airport Lounge access Earn 2 Club Vistara Points per Rs. 200 | N/A |