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

      

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    SBI IRCTC Credit Card Reviews

    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI credit card from long time, They have not charged me annual fee, they use to give good offers in shopping, i am happy with the credit limit which they have given to me, they use to give good offers based on my requirement so far i did not face any issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. The process and experience is good and there are no hassles while using the card. The transactions are smooth and easy and there are good offers on the card. The statements are clear and sent to me on time.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Need improvement "
      0.5 3.0/5 "Satisfactory"
      There is no customer response in SBI, they need improvement on the communication. Recently I started using this card. But I found the late payment and over limit charger are high. The limit is also not satisfactory hence I have taken CITI bank. They need overall improvement on the credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using the SBI CREDIT CARD for the last one and a half years and i am happy with the services provided by them. It has a credit limit of 1,06,000 and it has also been having some added benefits with the card. The card also has an annual charges of 3000 and i am planning to close this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Offers are not satisfactory"
      0.5 4.0/5 "Great!"
      If I do a transaction for one lakh and ther is a waive off of annual fee at State Bank of India for the credit card. There is a fee of 500 plus gst. Against 2000 points I will get a voucher of 500 from Amazon or clear trip. I cant convert the points for anything else like shoppers stop. The card is accepted every where and I get the statements on time. I have a application where I can track every transaction. This is a Elite card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good for shopping "
      0.5 5.0/5 "Blown Away!"
      SBI credit card interest rate is less for the transactions, though its a government bank the customer support is good for the credit card queries. I have FBB card, if I purchase any clothers in FBB they give 10% of instant discounts its satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Pretty ordinary credit card"
      0.5 4.0/5 "Great!"
      SBI card has some constraints in online shopping . They dont have wide range of offers for their users . For the past 1.5 years , I am using SBI credit card . I never seen the extra ordinary offers during festival time or week ends. I am somewhat okay with this credit card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the SBI CREDIT CARD for the last eight years, there is a good credit limit with this card and there has been some good cash back offers and reward points which i am getting through this card. The card has been having some annual charges and i use the card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good Product"
      0.5 3.5/5 "Pretty good"
      I got an offer for a SBI credit card from bank end, since am holding a salary account based on criteria they provided the card to get on time because its pre approval process and the customer support was good.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card since one year, good thing about SBI they are very transparent. Its a basic card it has yearly fee around Rs. 500. The customer support is good but the charges are very high in terms of credit card transactions.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card from long time, they have not charged me annual fee as it is life time free credit card, i am happy with the credit limit which they have given to me, they use to give good offers in on line shopping , their overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Very high interest rate"
      0.5 1.0/5 "Really Bad"
      In SBI credit card , the interest rate is very high . Recently I purchased a product through this card for that they have charged some additional charges around 2000 Rs . I am going to cancel this card . Still some outstanding balance is need to be paid for this card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the SBI CREDIT CARD from the year of 2015 and the services with them has been really good. But the credit limit with the card was only 27,000 and they had never enhanced my credit limit so far. Since because of that i had stopped using it. There was some annual charges with this card and i had used the card only for a few years.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      SBI credit card service is good, they use to response me well, their mobile application was user friendly, it is easy to access, they have charged me annual fee but waiver option is available, they have been given me sufficient credit limit it was more than a lakh, i am happy with their offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am very much happy with the service of State bank of India from past one year i have been using SBI tata croma card, They have not charged me annual fee,as it is life time free card, the credit limit which they have given to me was perfect as per my expectation.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using the SBI CREDIT CARD for more than four years where i am satisfied with the services provided by them. There are some annual charges with this card and i am using the card for all sort of purposes like offline and online purchases. I getting some good reward point benefits by using this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Need more transparency on the charges"
      0.5 3.0/5 "Satisfactory"
      I am using SBI credit card for a while and its a platinum credit card. I thought, its a Government bank and everything is fine but later there was more hidden charges. I can do easy EMI conversion with the reasonable charges without even contacting the merchants. IVR takes longer time for the connectivity which needs to be customized.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "A Good credit card"
      0.5 4.0/5 "Great!"
      Actually , I have SBI card for the past four years . But , I am not using SBI credit card very regularly . I faced lot of issues with this card . Whenever I face some issue I directly approach the customer care people . They will help me to resolve my problem .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Since from 2006 i have been using SBI credit card, their service was excellent i did not face any issue from them, their mobile application was good, i can see all my transactions through them, they have been charging annual fee but waived off option is available, their service is good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • SBI Cards Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Last one and half year I am holding state bank of India credit card . This is chargeable 500 rupees annual and cash back offer in this card everything is good of state bank of India and I am satisfied with credit limit 88k and customer service provided is good and their response is properly .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
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