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  • SBI IRCTC Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 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 Card"
      0.5 4.5/5 "Excellent!"
      I have SBI Tata card, they gives offers on Tata products, the card is very good , the credit limit is also satisfactory. I could convert the points into Tata purchase. The payment gateway is good and my payment reflect immediately on their end.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this card for the last five years and the services which they had been providing so far has been good. I am very much satisfied with the credit limit which they had given with this card and there has been some good benefits and features with this card as well. There has been an annual fee with this card as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Customer support needs be proactive"
      0.5 5.0/5 "Blown Away!"
      SBI is also good in experience of credit card, they will provide high credit limit based on transaction. The customer support is not upto the mark, IVR duration should be reduced the response should be prompt. The charges are minimum on spends.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Widely accpeted Card"
      0.5 4.0/5 "Great!"
      Its just for widely acceptable, the transaction charges are minimum, the credit limit is satisfactory. The payment gateway is convenient, its reflect soon on their end, they need to improve on their response part in terms of reminder calls before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to go in SBI"
      0.5 4.0/5 "Great!"
      Holding the State bank of India for 2 years. This is a milestone rewards card. There is a milestone spend on a every 1 lakhs and i will get a Rs. 2000 cleartrip voucher. If i'm getting a milestone, my annual fee will get waived off. They are provide a accelerated rewards points. There is a catalog shops for redeeming the rewards points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      By SBI card only my credit score has been increased, I didn't check about the offers. I use more occasionally I use for hotel and travel bookings, the international transactions are good. The card accessibility is good, the charges are normal as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      Got my sbi simply save card and started using it . Am not satisfied with the credit limit which they have provided .And they have charged rs 580 as they said there is no annual charges for the card but they have charged for the card where i made the payment . There are no additional charges for the transaction which i make .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      I got my sbi simply credit card after very long time where they have given good credit limit . There is annual charges for the card of rs 500 which gets waived off after using certain limit . The response from the customer service is been good , the only problem with the delivery and documentation .
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      I Have chosen state bank of India for credit card in that i have taken Sbi simply click credit card . There is annual charges for the card of Rs 750 which gets waived off after using certain limit . Am happy with the credit limit which they have provided overall am satisfied with the card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I got my sbi simply click credit card and started using it . Am not satisfied with the credit limit which they have given is low compared to the card which already am having . There are annual charges for the card of rs 499 plus GST . I have spoken to the customer service also the response part is very good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Poor card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI , they offered very low credit limit it is 78000 . Customer service respond is not up to the mark they charges so much interest rate i am not happy with this card this is one of the worst card . There is no hidden charges . They offered SBI CENTRAL Credit card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 1 year . The card is chargeable with 500 rs and they offered me with STYLE UP Credit card . Mostly i use this card in big bazaar to purchase food items . The credit limit is more than i expected.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI , i am holding this card for past 1 year . There is charges at the time of getting the card and they offered very low credit limit with this card . Benefits is nothing with this card . Service was not so good with this card . Overall it is average card .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with SBI , they offered 500000 of credit limit with this card . I drop this credit card because of their services which is not up to the mark . Benefits is fine i am not satisfied with that also . Customer service is not so good and banking services is fine .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      My credit card was approved with SBI and the experience was good, the process took 1 week to complete. I have to pay an annual fee of Rs 500 for this credit card. Customer service was good and they responded on time. Credit limit is fine in SBI credit card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a SBI credit card from last 15-20 years, there was no annual fee charged at the time of getting this credit card. Credit card services are good when compared to other cards. Features and benefits are good in this card and i am happy with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Simply save credit card with SBI from last 6 months, Rs 499 has to be paid as an annual fee for this credit card. I am getting good reward points on this credit card and the conversion value is also good. Credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      SBI provides good services on credit card when compared to other credit cards. I am using this credit card from last 1.5 years and there was no annual fee charged. Offers and benefits are very good in this credit card and i am happy with the credit limit in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from long time, offers like reward points are good in SBI credit card and those points are useful. There was no annual fee charged for this credit card and i am happy with the credit limit. All my transactions are hassle free in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from more than 10 years, it is an Elite credit card where i get good points, movie tickets and unlimited lounge access. There was no annual fee charged for this credit card and i am happy with the credit limit in this card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 14, 2018
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