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

    SBI IRCTC Credit Card Reviews

    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Credit limit value is around 28000 Rupees with the State Bank of India credit card and the response is very good. Customer service is fine too. I am happy with the State Bank of India credit card. Everything is perfect one with the SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service with the State Bank of India credit card is good one for me and the response is fine one too. I got the credit card within a month of time and am really happy with them. Responsiveness is good one with the SBI credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with State banks of India.They have offers a good limit of 59,000 i am happy with the limit,the card has an annual fees however i have a spend criteria applicable for this card.I pay my card bills through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using this credit card from the last one month of time. Customer service is okay one with them and the credit limit value could be enhanced. I am getting the credit points, which is an added advantage for the same.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have recently started to use the State Bank of India credit card ad the credit limit value is around 40000 Rupees. Process of getting the State Bank of India credit card is really long one. Customer service is better one with the SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have simply save credit card with Sbi. The service is good. The documents procedure was made very simple during the process. The credit limit provided on my SBI credit card department is good when compared with other credit service providers in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State bank of India.The limit on the card is 44,000,i have no annual fees to hold this card.They have given a simply save card.The card has a best features for shopping and can earn reward points for the same.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with state bank of India.The limit on the card is 83,000 .I pay an annual fees however its waived id i show a spend of huge amount,I get offers for online as well as at offline stores.Net banking is convenient to use and can quickly make payments.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      Customer service is good one with the State Bank of India credit card and the credit limit value is lesser one with them. I have got the credit card within ten days of time. Everything is better one with the SBI credit card and am really happy with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with SBI and the experience was average. The process was quite long and it took 1 month to receive the credit card. Initially they told, they will give a credit limit of Rs 2 lakhs but they gave only Rs 70000 and i am not happy with the credit limit in this credit card. Documents were collected door step and the customer service was good. I have not started using this credit card so i am not aware of any offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State bank of India.The limit om the card is sufficient to transact i have to pay an annual fees of 499 to hols this card.Net banking is user friendly.They had processed the card within 15 days of time. I have raised complaint regarding my card its been one months i have not received a revert for the same.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had applied my credit card with State Bank of India through online channel. They collected too many documents and provided a lower credit limit. I hold a SBI prime card and they charge annual fee around 2,999 rupees. I paid the first bill through net banking.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with SBI cards and the experience was good. The process was smooth and i received my credit card within 15 days. I have a credit limit of Rs 92000 which is sufficient for this credit card. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they collected documents on time. I get lot of offers in this credit card and i use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I got a SBI Gold Card and using it for 7 years. I am satisfied with the credit card service. The credit limit was 1L which was happy. They are charging annual fee. I got the reward points and 5% cash back offers on the shopping purpose. The redemption option is very much available here.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The State bank of India executives came to my place to collect the required documents on time to process my credit card application,. They have taken around 10 days of time to disbursed the SBI simply save credit card . The expected credit limit was not approved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Need Imrovement"
      0.5 3.0/5 "Satisfactory"
      Around a month ago I have applied for the SBI Simply save card, but I haven't got any kind of response from the State bank of India credit card department. The response part need to be improved with the State bank of India and they need to be focus on the customers requirement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cards and the experience was good. The only issue i found is, i received Elite credit card instead of simply save card. I got my credit card within 10 days and i have a credit limit of Rs 1.3 lakhs with the cash limit of Rs 36000 in this credit card. Customer service was good and they collected documents on time. I did not pay any annual fee for this credit card. I get offers like reward points and i use this card for general purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have chosen SBI Simply Save credit card. They offered a credit limit of 15K which was not satisfactory since my expectation was above 30K. The customer service and response was good. They disbursed the card on time. The annual charges are applicable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with SBI from the year 2010, the credit card services are pretty good comparatively, This is an Elite card and i pay an annual fee of Rs 5000 for this credit card. I got 2000 reward points on spending Rs 2000. I use net banking for making payments and i have a credit limit of Rs 1 lakh which is sufficient for this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good & Convenient Card"
      0.5 4.5/5 "Excellent!"
      I am using the State Bank of India credit card close to one year. The credit limit was normal. They charge annual fee. The customer service and response was good. It was more accessible and for purchasing home appliances. The payment option was easy to do the payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
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