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

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    Credit Card BYTES FROM OUR KITCHEN

    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 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:

    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

    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.

    News About SBI IRCTC Credit Card

    • Prices of Indian train tickets likely to dip

      The Indian railway fares are likely to dip soon as the merchant Discount rate (MDR) charges which were levied on the passengers who booked train tickets through Indian Railways Catering and Tourism Corporation (IRCTC) website will soon be abolished. The MDR charges were applicable for passengers who book tickets through credit and debit cards, and if this is eliminated, then travelling by train would get much cheaper.

      According to Union Railway Minister, Piyush Goyal, there are discussions that have been going on with the banks to relieve passengers from MDRs.

      16th October 2017

    SBI IRCTC Credit Card Reviews

    • SBI Cards Credit Card
      "Very good services & response"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is good on the credit card offers. The credit limit is to my satisfaction and the transactions are smooth and there is no decline in the transactions. The benefits are good and the rewards are also useful. The charges are also normal.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Till date no issues"
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for the credit card and the bank has been pretty good. They have a lot of decent deals and the limit is also nice and the transactions are smooth. The charges are normal and there are no issues in the statement and billing cycle.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Annual fee and interest should be reduced"
      0.5 4.5/5 "Excellent!"
      SBI reward point and credit limit is good, so far I didn't get any offers. I am holding SBI simple click card it has the annual fee of Rs. 499. But there was no joining fee, I got my first month statement. I fine with bill amount but annual fee and interest rate is the concern.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Cash backs with FLIPKART"
      0.5 3.0/5 "Satisfactory"
      With SBI I hold a Platinum credit card. I used to get reward points and cash back on flipkart with 10%. The interest charges are too high. The annual charge for card maintenance is 799. There are no hidden charges which is charged by SBI on its credit card.
      Was this review helpful? 0
      , samastipur
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I got 2000 reward point for the joining of SBI credit card, I could the redeem the points into cash back. I am holding simply save card it really good and it has sufficient credit limit. I paid one month credit card payment, I am satisfied with the bill amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Overall good. Can do better"
      0.5 3.0/5 "Satisfactory"
      State Bank of India could have checked my transactions on my other credit card and then processed my card. They have offered me a simply save card and the process is good. The services are good but the credit limit is less. I got a limit of one lakh only.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 6-7 months, i find this credit card very useful as i do all my transactions in this credit card. I pay an annual fee of Rs 500 which has to be paid every year for this credit card. Offers like cash back is good in SBI credit card. I use this card for online shopping and petrol. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a long time customer with State bank of India for around 12 years they offered me a credit card and I accepted it and took it. I have been using their Maxima credit card for 5 year and 3 months now and till now it is a very good card for me. The annual fees of Rs. 599 applied to this credit card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Easy to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum credit card with SBI. For the past 2 years i am using this credit card. They provide some reward points. I use this points to buy some gifts and they even provide some vouchers. The annual charge for card maintenance is 500 rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Quality service"
      0.5 4.0/5 "Great!"
      I chosen Simple save credit card because its a life time free credit card and also their charges are less. They do have some good reward point but I am not aware of that completely. First bill got generated, they gave gate 25th nov, I am okay with the minimum due amt and out standing amount.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with SBI. I got a Simply click credit card. The credit limit was above 50K. They took longer time to dispatch the card. They provided doorstep for documents, after collection there was no update. It would be better if they update the status.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India and they are doing great on the card. I get offers from time to time and there are no issues while using the card. All my transactions goes through smoothly and there are no charges for the card. They have given me a decent limit too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Poor Service"
      0.5 2.0/5 "Expected more"
      As I'm a long time customer with State bank of India for around 12 years they offered me a credit card and I accepted it and took it. I have been using their State bank of India's Travels credit card for 12 years now and till now there needs to be lot of changes and improvements needed from the bank's side.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with State bank of India. I have been using their State bank of India's Simply Save credit card for the last 6 months now and till now it is a good card for me. There is Rs. 499 annual fees applied to this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Not bad not good"
      0.5 4.0/5 "Great!"
      I have credit card with SBI . The have offered simply save credit card and the credit limit was 62,000 which was satisfactory . The customer service and responses were not up to the mark. I did not receive the reward points till date so I am a bit disappointed here . I have no idea about the interest rate and charges . My overall experience was average.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      State Bank of India is overall good with the credit card deals and there are no hassles in the customer services. I get a proper credit limit and the card is accessible every where. The statements are good and I received it on time. The reward points system is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI. The credit limit was 50,000 and they have offered simply save International credit card . The customer service and responses was up to the mark. I had a very good and excellent credit card process here My overall experience was good and Its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Its Better"
      0.5 4.5/5 "Excellent!"
      I am holding FBB SBI STYLEUP Card, it has annual fee of Rs. 500 but I am not sure about the waiver of yearly fee. SBI gave me nominal credit limit but they are good in remaindering the credit card bills like due date, minimum amount due etc. I am fine with this card .
      Was this review helpful? 0
      , noida
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good Keep On Discount"
      0.5 5.0/5 "Blown Away!"
      SBI gold card provides lot of offers, they linked with lot of vendors I will get extra discount on purchase. They offers me reward points for all transaction, I have redeemed point to get discounts on some merchandise. Limit of card is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a very good credit limit offered by SBI for my credit card service the customer service was good the offers are good also they provide me with good offers and reward points and the interest rate and fees and charges they offered me was good,it was a fine experience with SBI for my credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
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