Find the Best Travel Credit Card for You
Best Suited For â Booking Tickets through the IRCTC Portal
*Offers are from Paisabazaar's partner Banks & NBFCs.
Launched in association with IRCTC, this SBI credit card offers multiple travel benefits to the users at a minimal annual fee. It offers value back benefits on booking tickets through IRCTC along with rewards on other purchases. Read on to know more about this SBI Card.
Key Highlights of SBI IRCTC Credit Card |
Find Similar Credit Cards |
Welcome Benefit â Following activation benefits are provided:
IRCTC Benefit â Following benefits are provided when you use the card to book tickets from IRCTC website:
Rewards Program â 1 Reward Point per Rs.125 spent on retail and Railway tickets other than the ones mentioned above.
Visa Offers â The Visa Platform provides great offers on travel, golf, dining and other entertainment options.
Fuel Surcharge Waiver â 1% fuel surcharge waiver is provided which is capped at Rs.100 per month.
| SBI Card now offers the IRCTC Credit Card on Rupay Network as well. This variant provides complimentary lounge visits, exclusive offers and no joining fee till 31st March 2021. Click here to read more and apply for SBI IRCTC Rupay Credit Card. |
Suggested Read:Â 5 Best Domestic Travel Credit Cards in India
Future Proof Your Credit Card Today
It is important that you apply for a card that caters to your needs of today and tomorrow. The benefits of the IRCTC SBI Platinum Card are quite basic and wonât meet your needs of tomorrow, especially if you start taking flights for travel.
Consider applying for MMT ICICI Bank Platinum Credit Card and get the following benefits:
- Welcome gift of MMTBLACK Membership & Lemon Tree Hotel Vouchers
- Up to 3 My Cash per Rs. 200 spent (1 My Cash = Re. 1)
- 1 free Visa Airport Lounge and Railway lounge access per quarter
The table below shows the fees and charges associated with this credit card:
| Fee/Charge | Amount/Rate |
| Annual Fee | Rs 500 |
| Renewal Fee | Rs 300 |
| Interest-Free Credit Period | 20-50 days applicable only on retail purchases and if previous monthsâ outstanding balance is paid |
| Extended Credit Charges | Up to 3.35% per month, accounting to 40.2% per annum from the transaction |
| Extended Credit Minimum Amount Due | 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any) |
| Cash Advance limit | Up to 80% of credit limit, with a maximum of Rs. 12,000 per day |
| Cash Advance Charges | Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal |
| Cash Advance Fee SBI or Other Domestic ATMs | 2.5% of transaction amount, subject to a minimum of Rs. 300 |
| Cash Advance fee International ATMs | 3% of transaction amount, subject to a minimum of Rs. 300 |
| Overlimit Charges | 2.5% of overlimit amount subject to a minimum of Rs. 500 |
| Late Payment Fee | For Statement Balance Less than Rs. 500 â Nil Rs. 500 up to Rs. 1,000 â Rs. 400 Rs. 1,000 up to Rs. 10,000 â Rs. 750 Rs. 10,000 up to Rs. 25,000 â Rs. 950 Rs. 25,000 up to Rs. 50,000 â Rs. 1,100 Amount over Rs. 50,000 â Rs. 1,300 |
To be eligible for IRCTC SBI Platinum Card, you must have a good credit score (preferably 750+). In addition to this, you must meet some more criteria as shown in the table below:
| Criteria | Details |
| Age | 18-60 years |
| Occupation | Available to both Salaried and Self-employed |
| Income – Salaried | Rs. 20,000 p.m. |
| Income –Â Self Employed | Rs. 30,000 p.m. |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
HDFC MoneyBack Credit Card has a 96% Approval Rate.
To apply for this credit card through Paisabazaar, one can follow the given steps:
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.
| Credit Card | Annual Fee | Comparative Feature |
| IRCTC Rupay SBI Card | Rs. 300 | Up to 10% valueback on rail ticket bookings |
| MakeMyTrip ICICI Bank Platinum Credit Card | Nil | Up to 3 My Cash per Rs. 200 spent on MakeMyTrip |
| HDFC Bank Diners Club Rewardz Credit Card | Rs. 1,000 |
|
| Air India SBI Platinum Credit Card | Rs. 1,499 | 15 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com |
| IRCTC SBI Card Premier | Rs. 1,499 |
|
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 does this card offer?
Users can save on Fuel Surcharge and transaction charge on railway ticket bookings done via IRCTC website.
What is the value of reward points in Indian Rupees?
1Â Reward Point is worth Re. 1.
No extra rewards or benefits. Only basic features. Could have been better.
SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!
Wonderful credit card for travellers. Free membership helps a lot. Fee is high.
I got this card when I had to travel a lot for work every month and it gave me good benefits. But the annual fee is high; it would have been better if I could get similar features for a lower fee. Other features are also good.
This is a great card for me as I shop at Big Bazaar and FBB frequently. The annual fee is also very less. I recommend this for regular shoppers.
With the easy money facility having money delivered at home is not a problem.
