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  • SBI IRCTC Credit Card

    Fees & Charges

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    SBI IRCTC Credit Card

    SBI presents an internationally valid credit card co-branded with the Indian Railway Catering and Tourism Corporation Limited (IRCTC) that gives you a new travel and lifestyle experience. The card has been specially designed by R.K. Laxman, a renowned cartoonist. With this card, you can enjoy earning reward points as you spend. Get exclusive discounts and benefits when you book railway tickets on www.irctc.co.in. You also get to enjoy unique dining, travel, entertainment deals and much more.

    Welcome offer:

    • Earn 350 activation reward points if you spend Rs. 500 or above within 45 days from the date of issuance.
    • Use your card at withdraw cash at an ATM within 30 days of issuance and get Rs. 100 cash back.

    Benefits of IRCTC SBI Card:

    • Get up to 10% of the value of your purchase in reward points when you book AC1, AC2 and AC CC on www.irctc.co.in.
    • Get 1 reward point for every Rs. 125 spent on your card on retail purchases including railway tickets, but not including fuel.
    • You can redeem these points on www.irctc.co.in for railway tickets.
    • You also get 1.8% transaction fee discount when you book on www.irctc.co.in.
    • 2.5% fuel surcharge waiver across all petrol pumps in India for transactions between Rs. 500 and Rs. 3000. Save up to a maximum of Rs. 100 per credit card cycle.
    • You are automatically insured for Rs. 10 lakh rail accident cover while travelling with a valid train ticket bought with your IRCTC SBI Card.
    • IRCTC constantly has offers for railway and flight tickets, hotel accommodations and tour packages.

    Features of IRCTC SBI Card:

    • The card is accepted worldwide at over 29 million outlets, with 3, 25,000 outlets in India.
    • Withdraw cash from 1.2 million VISA ATMs around the world, inclusive of 18,000 ATMs in India.
    • Get access to 10000 SBI ATMs in more than 100 cities in India.
    • Global Customer Assistance Services are available anywhere in case of an emergency
    • Pay your utility bills with your card automatically before the due date.
    • Avail of add-on cards for your family members.
    • Transfer your balance from other credit cards and enjoy paying back with plans suited to your financial needs at low rates of interest.
    • Repay all your purchases in easy EMIs. Call within 10 days of your purchase to avail of this benefit.
    • Get a bank draft any time you need. Simply call Customer Care and the amount will be directly credited to your IRCTC SBI card.
    • E-statements give you access to your information 24/7.
    • Get alerts via SMS about your credit card account information.
    • Virtually manage your credit card account online.

    Fees and Charges of IRCTC SBI Card:

    ChargeAmount
    Joining feeRs. 500
    Annual fee (2nd year onward)Rs. 300
    Add on cardsFree
    Interest free period20-50 days no interest period for purchases if previous month’s outstanding balance is paid in full.
    Interest rateUp to 3.35% per month for outstanding balances. (40.2% p.a.)
    Minimum Amount due5% of total outstanding balance + Service Tax (+ EMI in case of loans)
    Cash Advance

    Up to 80% of the credit limit at 3.35% per month from date of transaction, subject to a maximum limit.

    Gold cards - Rs. 12000 maximum.

    Platinum/Signature cards Rs. 15000 maximum.

    Cash Withdrawal fees

    For SBI ATMs and other local ATMs, 2.5% of transaction amount or Rs. 300, whichever is higher.

    For international ATMs, 3% of transaction amount or Rs. 300, whichever is higher.

    Other fees and charges:

    ChargeAmount
    Overlimit2.5% of the amount over limit, subject to a minimum of Rs. 500.
    Card replacementRs. 100
    Emergency Card Replacement (overseas)The actual cost of the card is applicable subject to Rs. 175 minimum.
    Cheque PickupRs. 90
    Cheque Bounce/Invalid Cheque2% of the cheque amount, subject to a minimum of Rs. 350 and maximum Rs. 500.
    Statement RequestRs. 100 per statement if it is more than 2 months old.
    Chargeslip RequestRs. 225 per chargeslip
    Foreign Currency Transaction 3.5% conversion mark up
    Cash OTC FeesRs.100

    Late payment charges:

    Total Amount Due (In Rupees)Fees (In Rupees)
    0-200Nil
    201-500100
    501-1000200
    1001-5000350
    5001-10000550
    10000 and above750

    Eligibility:

    SBI eligibility varies from card to card. SBI offers a variety of cards to suit different needs and financial abilities of people. To find out if you are eligible for an IRCTC SBI card, use the eligibility calculator on BankBazaar.com or visit www.sbicard.com/eapply and click on “Help me find a card”.

    Documentation:

    To complete the application process, you will need to submit the following documents.

    • PAN card
    • Any one of the following as ID Proof:
      • Passport
      • Voter ID
      • License
      • PAN card
      • UID Aadhar Number

    FAQs On SBI IRCTC Credit Card:

    1. What is the value of my reward points?

      The reward points you earn on your IRCTC card is valued at Re. 1 per point.

    2. Do the reward points have an expiry date?

      Yes, the validity of the reward points will lapse after 3 years from the date of membership registration. Reward points will also expire if you do not renew your membership.

    3. Can I reinstall my expired account?

      No, this is not possible. You will need a new registration at www.irctc.co.in. The subscription fee of Rs. 500 + Service tax will be applicable.

    4. Can I check the status of my application?

      You can track your application status on the SBI website. You need to enter your application number and date of birth. The application number is given to you after your submit the completed form.

    5. Is there any eligibility for the Rewards Programme?

      Yes, the cardholder should be above 18 years and below 60 years of age at the time of joining the programme.

    SBI IRCTC Credit Card Reviews

    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      State Bank of India has nice options on the credit card. There is a balance transfer option which is very useful to me. The credit limit is also to my satisfaction and when ever I use the card the transactions are smooth. There is a annual fee, it gets waived off if I use the card to a limit of 30K in a year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 25, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from last 6-7 months, the credit card services are good when compared to other credit cards. I use net banking for making bill payments. I get 10X reward points on this credit card for online shopping. The credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The SBI credit card service is good and I use the SBI FBB Style up credit card is good to use for the shopping and for other usages. I have got this card around 4months ago. The credit limit value is good with this SBI FBB Style up credit card and i am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Sbi IRCTC credit card has been used by me for more than 2 years. The customer support service is good with the SBI and they give good response to the customers. The credit limit value is good with this card and it would be good if they can increase the credit limit value, and i have raised a request to increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have got the Sbi simply save credit card around 8months ago. The customer support service is good with the State bank of India and they give good response to the customers. The credit limit value is good with the Sbi simply save credit card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The Sbi prime credit card is good to use . The customer support service is good with the SBI and they give good response to the customers. The credit limit value is good with this card and I am satisfied with it. The offers like reward points cash back offers are better with this card and i am satisfied with it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Services are good"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. There are charges taken for the card. The credit limit is good and the customer services and response is good. The statements are clear and they have sent it to me on time. The billing cycle is also comfortable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 1 year, there is no annual fee charged for this credit card. Net banking is easy for me to make bill payments. I am not aware of any offers on this credit card. I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      My experience was good with SBI credit card, annual fee of Rs 500 has to be paid for this card. The credit limit is sufficient in this card and i received my credit card within 15-20 days. I use this card for multipurpose and i get good reward points on this card. Customer service was good and they collected documents on time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      My experience was good with SBI credit card, i received my credit card within 15 days. I paid an annual fee of Rs 500 for this credit card. I use this card for general purpose and i get good cash back and reward points on this card. Customer service was good and they followed up on time. I am satisfied with the credit limit on this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Not yet received the card"
      0.5 1.0/5 "Really Bad"
      I have not yet received the card from SBI. I have not received any confirmation about my credit card. I tried to contact the customer care but it is of no use. Even i have sent mail to the SBI credit card customer care. No support from the team for my credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 4 months, it is a IRCTC card so i get good reward points on railway tickets. I get 2x reward points on booking and there is no annual fee charged for this credit card. Net banking is easy to make payments and i am happy with the credit limit on this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Elite Card for the past 2 Years. The Card packs with great features such as Free Airport Lounge Access which is great during my trips. Whenever I travel it is great, my wife is also have the same card so it is pretty much convenient for us while traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I have been using this card for the last eight months and so far no hassle during using it. I am satisfied with the services which are providing me till now, and also with the benefits . It is a very easy card to use. I use it mainly for booking the flight tickets.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good card for shopping"
      0.5 5.0/5 "Blown Away!"
      The Fbb styleup credit card is good to use for the shopping purposes and I use this card for all kin of usages. The customer support service and there response is good with the State bank of India. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've applied for the SBI Simply Save card before 2 Months. I compared different cards online and found this card suitable for my requirements. I haven't used the card much so it is too early for a honest review. Overall the application process and was easy and smooth.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The customer support is good with Sbi credit card service. Sbi credit limit is sufficient for me. Sbi online net banking is easy for navigation with lot of good options. The rate of interest and charges is fine with Sbi. It is an average service from Sbi credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I bank with State Bank of India for the credit card. I have no hassles in receiving the statements, it is sent to me on time. The limit is also okay for me. But the bank needs to provide more offers and also work on the customer services and responsiveness.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I"ve been using the SBI Simply Save Credit Card for almost 9 Months. I make payments Online. The features and benefits of the card is very good but their service needs a lot of improvement when comparing to other private banks already there in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with SBI cards and the experience was good, i use this credit card mainly for shopping and petrol. An annual fee of Rs 500 has to be paid for this credit card. Credit limit is sufficient in this credit card and i received my credit card within 10 days. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
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