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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 Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Tata credit card for a while. The experience good, it has got the balance transfer option. The limit is very low that is the only drawback with the card. Other than that I never faced any issue with the services. Overall it has been a good experience with the card and their services.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've been using the SBI credit card for a while. The services are good. The limit is very good. I never had any issues with their services. They have to come up with new exciting offers for their customers. Overall it has been a good experience with the SBI card and their services.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I chose the SBI SIMPLY SAVE CARD online because of SBI. The limit okay, it has got cash back offers. The annual fee is 499. I just started using the card and I'll have to wait and see how it works out for my needs. So far it has been a good experience with them.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Fbb SyleUP credit card for a while, it offers 10% off at BigBazaar. It also has got a good reward points system. It is a useful card to have if you shop at BigBazaar regularly. Overall it has been a good experience and never had any issues with their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplyClick credit card for the last two months. The limit is okay for me. I haven't used the card much so it is too early to comment on the features and benefits. So far the experience has been good with the SBI card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplyCick credit card for a while. The services are good, I am getting offers for shopping and traveling. So far I never had any bad experience with the card and their services. They need to improve their reward point system to the next level. Overall it has been a good experience.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good to use. i had a good experience with the credit card from the sbi. Limit is good. I am using from a month. I am getting no offers. I am not getting rewards points. It is a chargeable if i spent 1 lakhs then it will be wavered off. Documentation is easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card was approved with SBI and the experience was good, the process took 1 week to complete and i paid an annual fee of Rs 499 for this credit card. I have a credit limit of Rs 45000 in this credit card. I use this credit card for general purpose and the customer service was good with SBI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplySave card for a while. The service is good, it is not a lifetime free card and I'll have to pay 500 annually. It has not got any commendable offers and benefits. Overall they need to come up with regular offers for their customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have an Air India credit card with SBI from last 1.5 years, i pay an annual charge of Rs 4999+ taxes for this credit card and i am satisfied with the limit in this card. I have to book a first ticket by paying and then i am eligible for free flight ticket. I was not informed about this earlier at the time of getting this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the credit card services of SBI, i have a credit card with this bank from last 1-2 months. The credit limit is sufficient in this credit card and i paid an annual fee for this card. There are not much benefits on this credit card and offer needs to be improved.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      It has been almost 2-3 months i have been holding this card and the services which they had been providing so far had been very good. The credit limit with the card has been very good and i have been using the card for shopping and all other purchases as well. There has been good offers during most of the purchases and i have yet to redeem it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      There has been good offers with the cards and the services which they had been providing so far had been very good as well. Their customer support also had been very good and the credit limit with the card has been 90 thousand which has been good. I have been using the card for most of my on-line purchases and ticket booking. It has been almost eight months i have been holding this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The whole process in getting the card has been easy and smooth and even the documentation has went very well. They had provided with a good credit limit with the card as well, and i have started using the card for shopping and other purchases as well. While choosing the card i have gone through the schemes and i have liked this card and chosen it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not Bad"
      0.5 3.0/5 "Satisfactory"
      It has almost been three years i have been holding this card, The services which they had been providing has not been up to the mark where the response has not been good with them. They have provided a less credit limit with the card which has not been good. Other than that there has not been much benefits with the card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I am not happy with the credit card services of SBI and needs to improve. I have a credit card with this bank from last 2 years and i am planning to surrender this credit card. Charges are high on transactions and i did not find any offers on SBI credit card. The credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for the last one year and the services with them had been very good so far. The credit limit with the card has been less than i expected and i am expecting it to be increased in the near future. Their customer support also has been very good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      The whole process in getting the card has been very much easy and the card has reached on time as well. The credit limit with the card has been sufficient and satisfactory as well. There has been good benefits with the card as well. I have started using the card for shopping and other business purposes and i am expecting the credit limit to be increased in the future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      It has almost been a month since i have been using the card. The credit limit with them has been very good with the card and the process in getting the card has been very much easy and smooth. The card also had been reached on time, and there has not been any issues faced so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using Sbi simply save card . Their Customer service is good they responding well for queries. Am satisfied with the credit limit which they have offered. There is annual charges of Rs2000 which gets waived after using certain limit . There is no additional charges for the transaction which i make. Am getting cash back offer is some of the malls . Am using their credit card mobile application which is user friendly.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
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