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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
Annual Fee: ₹ 300
Joining Fee: ₹ 500
Best Suited For – Booking Tickets through the IRCTC Portal
*Offers are from Paisabazaar's partner Banks & NBFCs.
Eligibility and Documentation
|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.
Get 350 activation bonus Reward Points on spending Rs.500 or more in the first 45 days.
Get 10% value back as reward points when booking AC1, AC2. AC3 and AC CC tickets on IRCTC
Earn 1 Reward Point for every Rs.125 spent on retail, including Railway tickets
Get 1% fuel surcharge waiver, upto Rs.100 per month.
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.
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Rate SBI IRCTC Credit Card
✔Welcome gift of MMTBLACK Membership & Lemon Tree Hotel Vouchers
✔Earn up to 3 My Cash for every Rs. 200 spent
✔Redeem My Cash on MMT (1 My Cash = Rs. 1)
✔1 free Visa Airport Lounge and Railway lounge access each per quarter
✔15% off on dining bills at select restaurants in India
Fee and Charges
|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|
How to Apply for SBI IRCTC Credit Card
You may apply for this credit card through our website. The steps are:
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.
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.
|Credit Card||Annual Fee||Key Feature||Paisabazaar Rating|
|Avail 15% discount on tickets for Ferrari World Abu Dhabi|
Earn 2 PAYBACK Points for every Rs.100 spent on retail purchases
|Earn 6 Reward Points per Rs. 100 spent on Departmental Stores, Groceries, Dining, Movies, Entertainment and International expenditure|
Enjoy Fuel Surcharge waiver
|Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift|
Get complimentary MMT Black Membership
|Get Domestic Airport Lounge access|
Earn 2 Club Vistara Points per Rs. 200