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.
|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)|
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.
|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|
|Total Amount Due (In Rupees)||Fees (In Rupees)|
|10000 and above||750|
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”.
To complete the application process, you will need to submit the following documents.
The reward points you earn on your IRCTC card is valued at Re. 1 per point.
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.
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.
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.
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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