Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • SBI IRCTC Credit Card Reviews

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Need to look for customer"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one am having from the last three to four years of time. Rate of interest is huge with them and reaching out the customer service is also really a tough one. They are charging the standardized rate of interest on a monthly basis. It looks like something which is P rivaling in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With the SBI platinum credit card the interest rates is really high and the customer support is not up to the mark. I don't get any benefits with this card. I hold this card for past 3 years. The Sbi can increase the credit limit with this card. Overall I am satisfied with the service
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It was quite good to use style credit card of State bank of India. . I don't have any charges on my statement no hidden charges anything its clear.credit limit they have offered is 35000 rupees overall experience was fine with state bank of India.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      Earlier I had simply save credit card now they upgraded for Platinum card. SBI simply save card has one point for 100 rupees spent. But platinum has two points for 100 rupees. If I wish. I could redeem the points into cash or voucher. Features are good with SBI credit card they got tie up with many outlets like KFC, coffee day etc.
      Was this review helpful? 0
      , narwana
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Convenient Shopping with SBI ELITE"
      0.5 5.0/5 "Blown Away!"
      Almost SBI credit card interest rate is equally good. I am holding Platinum Elite credit card it has the credit limit of Rs.2.4 lakhs. Frequently I shop with my credit card, I purchased many home appliances 65,000 CREDIT LIMIT. There is no annual charges, its a life credit limit, I got maximum cash back of Rs.65,000 which is really great.
      Was this review helpful? 1
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Its Convenient "
      0.5 3.0/5 "Satisfactory"
      I couldn't redeem SBI reward points into cash, I am using SBI credit card for past eight month, I used to get cash back in online shopping upto 10% to 15%. I am happy about it. SBI offered me good credit limit, its very much satisfied. Overall I am happy with their offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
      Was this review helpful? 1
      , udaipur
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "The best for a credit card"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent in the services. When ever I call the customer support they respond well and on the same day they sort out what ever my clarification might be. There are reward points and I benefit a lot with this credit card when I use it online as I get 5% to 10% cash back. There is a annual fee of Rs.500 and it is waived off as my transactions crosses the specified limit. I am also happy with the online banking, because when I log in I am able see the details of my outstanding and principle and due date. I do not have to navigate much for information.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Offers has to be improvement"
      0.5 3.0/5 "Satisfactory"
      SBI interest rate is high they taking high processing fee for EMI conversion, they didn't give any another offers on the credit card. I am using SBI Simply Save credit card for past one year they offered me the credit limit of Rs. 1 lakhs its good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Good to use for railway tickets"
      0.5 5.0/5 "Blown Away!"
      I have SBI IRCTC credit card, I used to book the railway tickets with that card and I am getting good offers with good reward points. For 100 rupees spent - 1 points, last year I have accumulated and got 2000 rupees voucher for the shopping, I am very happy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card at SBI is good and the best is the fast process in me getting the card. There is a annual fee of 499% and it gets waived off if I swipe my card for a certain limit. The drawback is that the credit limit was lesser than what was promised.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      I am having the credit card with the SBI and I got it from them because I had the salary account with them. Customer service is good one with them and the credit limit is good one and I made it in optimized manner. Online services were good with them before but after merging , I have faced some issues with them.
      Was this review helpful? 0
      , dharapuram
      Reviewed on May 24, 2017
    Common Loader Icon

    SBI IRCTC Credit Card

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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 the 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:

    • 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.

    Important Fees and Charges:

    Charge Amount
    Joining fee Rs. 500
    Annual fee (2nd year onward) Rs. 300
    Add on cards Free
    Interest free period 20-50 days no interest period for purchases if previous month’s outstanding balance is paid in full.
    Interest rate Up to 3.35% per month for outstanding balances. (40.2% p.a.)
    Minimum Amount due 5% 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:

    Charge Amount
    Overlimit 2.5% of the amount over limit, subject to a minimum of Rs. 500.
    Card replacement Rs. 100
    Emergency Card Replacement (overseas) The actual cost of the card is applicable subject to Rs. 175 minimum.
    Cheque Pickup Rs. 90
    Cheque Bounce/Invalid Cheque 2% of the cheque amount, subject to a minimum of Rs. 350 and maximum Rs. 500.
    Statement Request Rs. 100 per statement if it is more than 2 months old.
    Chargeslip Request Rs. 225 per chargeslip
    Foreign Currency Transaction 3.5% conversion mark up
    Cash OTC Fees Rs.100

    Late payment charges:

    Total Amount Due (In Rupees) Fees (In Rupees)
    0-200 Nil
    201-500 100
    501-1000 200
    1001-5000 350
    5001-10000 550
    10000 and above 750

    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

    SBI IRCTC Credit Card FAQs:

    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.

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