Apply now for SBI IRCTC Credit Card
Best Suited Forย โ 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 |
Exclusive Value Back Benefits: Throughย SBI IRCTC credit card users get up to 10% value back on AC1, AC2 and CC bookings when made through IRCTC website. The card also offers reward points on everyday purchases
No Transaction Charge on the Tickets: Users save the 1.8%ย transaction charge on their railway tickets if they book tickets through IRCTC website
Global Acceptance: The SBI IRCTC credit cardย is an exclusive travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India
Fuel Surcharge Waiver: Users get fuel surcharge waiver if they purchase fuel for an amount between Rs. 500 and Rs. 3,000. A maximum surcharge waiver of Rs. 100 per month is allowed
Non-stop Cash Availability: Cardholders can withdraw money anytime from any Visa ATM
Utility Bill Payment Facility: With Easy Bill Pay facility utility bill payments like electricity, insurance, telephone, etc. can be paid before the due date automatically
Avail IRCTC Travel Offers:ย Users can availย special travel packages that could be adventurous, wildlife tourism, pilgrimage or leisure tours to various places in India
Suggested Read:ย 5 Best Domestic Travel Credit Cards in India
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 monthsโ 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 ofย Rs.ย 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 ofย Rs.ย 300 |
| Cash Advance fee International ATMs | 3% of transaction amount, subject to a minimum ofย Rs.ย 300 |
| Overlimit Charges | 2.5% of overlimit amount subject to a minimum ofย Rs.ย 500 |
|
Late Payment Fee | Nil for total amount due fromย Rs.ย 0 toย Rs.ย 200 |
| Rs.ย 100 for total amount due greater thanย Rs.ย 200 and up toย Rs.ย 500 | |
| Rs.ย 400 for total amount due greater thanย Rs.ย 500 and up toย Rs.ย 1,000 | |
| Rs.ย 500 for total amount due greater thanย Rs.ย 1,000 and up toย Rs.ย 10,000 | |
| Rs.ย 750 for total amount due greater thanย Rs.ย 10,000 |
To be eligible for this credit card, the applicant should meet the following requirements:
At the time of application, some documents will also be needed to establish proof of identity, address and income. Additionally, a PAN Card must also be submitted. These must be submitted in order to successfully apply for this credit card.
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.
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?
1ย Reward Point is worth Re. 1.
| Credit Card | ย Annual Fee | Reward Points / Offers | Net Savings |
| SBI IRCTC Credit Card | Rs.300 | Earn 1 Reward points per Rs. 125 spent | Rs.4,776* Rs.9,964** |
| ICICI Ferrari Platinum Credit Card | Rs.499 | Get up to 15% discount on Ferrari merchandise bought from the Online Ferrari Store. | Rs.816* Rs.1,632** |
| Standard Chartered Platinum Rewards Credit Card | Rs.250 | Earn 5 Reward Points per Rs. 150 spent on dining and fuel | Rs.8,510* Rs.9,782** |
| HSBC VISA Platinum Credit Card | Nil | Earn 2 Reward Points per Rs. 150 spent | Rs.14,167* Rs.22,833** |
| Standard Chartered Manhattan Platinum Credit Card | Rs.999 | Users can save up to Rs. 8,650. | Rs.9,396* Rs.16,992** |
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually
People also looked for the following travel credit cards:
| 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 |
As soon as I paid off the joining fee, SBI granted me 2000 reward points.
This is a globally functional and accepted card. I love it!
No surcharge element of fuel has to be paid when getting a fuel refill with the SBI IRCTC card.
I had an approximate saving of 7000 in the last year with this cost.
I used my rewards for getting a statement credit and reducing my bill amount.
Happy that on this SBI cost, I could accumulate rewards for 2 years.
