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SBI IRCTC Credit Card

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हिंदी में पढ़े
Updated: 03-07-2021 07:30:46 AM

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

 Annual Fee Rs. 500 + Taxes
 Best Feature Up to 10% Value Back on AC1, AC2 and CC Bookings
 Rewards 1 reward point for every Rs. 125 spent on non-fuel retail purchases
 Travel Offers 1% off on transaction charges on railway ticket bookings
 Fuel Surcharge 1% fuel surcharge waiver across all petrol pumps in India
 Find Similar Credit Cards
 Paisabazaar’s Rating: ★★★ (3/5) Read Full Review
SBI IRCTC Card- Features and Benefits
SBI IRCTC Card- Fees and Charges
Should you get SBI IRCTC Credit Card?
SBI IRCTC Card- Eligibility Criteria
How to Apply for SBI IRCTC Card
Cards Similar to IRCTC SBI Platinum Card
FAQs

SBI IRCTC Card- Features and Benefits

Welcome Benefit

Following activation benefits are provided:

  • 350 bonus reward points (Rs.350) on activation i.e. post first successful transaction of Rs.500 or more. (1 reward point = Rs.1)
  • The first transaction should be made within 45 days from the date of card issuance
  • Rs.100 cashback on your first ATM cash withdrawal within 30 days of receiving the card

IRCTC Benefit

Following benefits are provided when you use the card to book tickets from IRCTC website:

  • 10% Valueback, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
  • Waiver of 1% transaction charges on railway ticket bookings

Rewards Program

IRCTC SBI Card users can get 1 reward point for every Rs.125 spent on non-fuel retail purchases, including railway ticket purchases done via IRCTC website or mobile application.

For example, if you book railway tickets worth Rs.5000, you will get 40 reward points. And, 1 reward point is equivalent to Rs.1 thereby, you will get a benefit of Rs.40.

Other SBI IRCTC Card Benefits

  • Visa Offers – The Visa Platform provides great offers on travel, golf, dining and other entertainment options.
  • Fuel Surcharge Waiver – 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: 5 Best Domestic Travel Credit Cards in India

Credit Card Rating

/ 5 ( Reviews)

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SBI IRCTC Card- Fees and Charges

The table below shows the fees and charges associated with this credit card:

Fee/ChargeAmount/Rate
Annual FeeRs 500
Renewal FeeRs 300
Finance ChargesUp to 3.50% per month [42% per annum]
 

Late Payment Fee

For Statement Balance
Less than Rs. 500 – Nil
Rs. 500 up to Rs. 1,000 – Rs. 400
Rs. 1,000 up to Rs. 10,000 – Rs. 750
Rs. 10,000 up to Rs. 25,000 – Rs. 950
Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
Amount over Rs. 50,000 – Rs. 1,300

*For most important terms and conditions of SBI IRCTC Credit Card, Click Here.

Should you get SBI IRCTC Credit Card?

With a low annual fee of Rs. 500, SBI IRCTC Credit Card gives 10% value back on every railway ticket booking which is a decent reward. However, it is a very basic card for those who spend more than or equal to Rs. 20,000 on railway tickets per annum. There are no benefits on daily spends such as grocery, shopping, utility bills, etc. Only 1 reward point is provided on every Rs. 125 spent which can easily be the lowest in any category. You should get this card if SBI IRCTC cards are meant for you only if you travel a lot through trains. You should, however, opt for other cards if you want some benefits from every category like shopping, rewards, dining, travel, etc.

SBI IRCTC Card- Eligibility Criteria

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:

CriteriaDetails
Age18-60 years
OccupationAvailable to both Salaried and Self-employed
Income – SalariedRs. 20,000 p.m.
Income – Self EmployedRs. 30,000 p.m.
Serviceable CitiesClick here for the list of eligible cities
Documents RequiredClick here for the list of acceptable documents

HDFC MoneyBack Credit Card has a 96% Approval Rate.

Read More DetailsCheck Your Eligibility

How to Apply for SBI IRCTC Card

To apply for this credit card through Paisabazaar, one can follow the given steps:

  • Click here to start the application Process
  • Enter Your Phone number and click on check offers
  • Select the IRCTC SBI Platinum Card from the list of credit cards and proceed
  • Provide additional details and complete the process

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.

Cards Similar to IRCTC SBI Platinum Card

Credit CardAnnual FeeComparative Feature
IRCTC Rupay SBI CardRs. 300Up to 10% valueback on rail ticket bookings
MakeMyTrip ICICI Bank Platinum Credit CardNilUp to 3 My Cash per Rs. 200 spent on MakeMyTrip
HDFC Bank Diners Club Rewardz Credit CardRs. 1,000
  • 1 Reward Point = 0.30 Airmile
  • Earn 3 Reward Point per Rs. 150 spent
Air India SBI Platinum Credit CardRs. 1,49915 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com
IRCTC SBI Card PremierRs. 1,499
  • 10% back on AC1, AC2, AC3, AC CC as reward points
  • 5% back Air ticket purchases

FAQs

How can I redeem reward points from SBI IRCTC Card?

These reward points can be redeemed by linking your IRCTC SBI Card loyalty number with your IRCTC login id. Redemption of reward points can be done online via IRCTC website or Android IRCTC mobile app

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?
1 Reward Point is worth Re. 1.

State Bank of India Credit Card
(3.7/5 ) 7637 Reviews
Write a review
Jun 2, 2021
4/5
Good benefits but less rewards

I have been using SBI Credit Card since 2019. I like the shopping and travel benefits a lot, but the rewards rate is unsatisfactory. With a high annual fee, it is expected that the credit card will offer decent rewards. The customer care service is also very good. Overall, it is good.

Jan 13, 2020
2/5
Very Basic Card

No extra rewards or benefits. Only basic features. Could have been better.

Jan 13, 2020
4/5
Liked it

SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!

Jan 2, 2020
4/5
Great Card for Travel

Wonderful credit card for travellers. Free membership helps a lot. Fee is high.

Jan 2, 2020
3/5
Good enough

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.

Jan 2, 2020
4/5
Good Credit Card

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.

View All Reviews
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