The IRCTC SBI Card Premier is a credit card which is offered by the State Bank of India in collaboration with the IRCTC. This credit card offers benefits across many categories, primarily, for railway ticket bookings where the cardholder receives cashback on railway ticket bookings. Apart from this, the IRCTC SBI Card Premier offers benefits across the categories of fuel, reward points and insurance. The IRCTC SBI Card Premier comes with a joining fee and annual fee of Rs.1,499 and a finance charge of 3.5% per month.
|Value back Benefits||
|Reward point Benefits||
|Easy Money Benefits||
The credit limit for the IRCTC SBI Card Premier is assigned at the discretion of the bank. The State Bank of India checks a number of factors before assigning a credit limit such as the credit score of the primary applicant, credit utilisation ratio, and repayment habits of the past debts.
|Type of Charge||Fee|
|Credit card finance charge||3.5% on all unsecured SBI Credit Cards (except Shaurya)|
|Minimum amount due each month||5% of total outstanding amount or Rs.200 + taxes, whichever is higher|
|Interest fee period||20 to 50 days|
|Finance charge on cash advance||For domestic cash withdrawal, a fee of 2.5% or Rs.500 (whichever is higher)|
|Statement retrieval||Rs.100 per statement – for statements more than 2 months old|
|Late payment fee (charged based on the total outstanding amounts)||
|Over limit fee||2.5%|
|Card replacement fee – domestic||Rs.100 to Rs.250|
|Nationality||He or she must be a citizen of India.|
|Age||The applicant must be at least 18 years old.|
|Employment status||The primary applicant must be either salaried or self-employed|
|Credit Score||Applicants having a good credit score will be eligible for the card.|
|Proof of Address||Income Proof||Identity Proof|
|Ration Card||IT Returns||Voter ID|
|Passport||Form 16||Aadhaar Card|
|Voter ID||Salary Slip||Driving License|
To apply for the IRCTC SBI Card Premier, here are the steps to be followed:
Yes, on spending Rs.2 lakh in a year, the annual fee of Rs.1,499 will be waived.
On paying the annual fee of Rs.1,499, you receive 1,500 reward points which is equivalent to Rs.1,500 as 1 reward points = Re.1.
No, the add-on credit card comes free of cost.
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