IRCTC SBI Card

  • SBI IRCTC Credit Card provides various offers on booking train tickets, air tickets, catering etc., via IRCTC
  • It offers Complimentary Insurance Coverage for rail and air accident
  • It provides 10% Value Back as Reward Points

SBI Card and IRCTC have collaborated to develop a co-branded credit card, the IRCTC SBI Card Premier. This card is one level higher than the previously launched IRCTC SBI Platinum Credit Card and offers a higher level of privileges.

It is one of the few cards on the market that is intended to provide benefits for train travel. With this credit card, you can get free railway lounge access, additional reward points on IRCTC bookings, free insurance coverage, and much more.

Key Highlights

SBI IRCTC Credit Card

sbi irctc credit card.png

Image Source: SBI Official Website

Suitability

Travel and Ticket Bookings

Joining Fee

Rs 1,499 + GST

Benefits

You can earn 2,500 Reward Points on annual travel spends of Rs. 50,000

Features and Benefits of the SBI IRCTC Credit Card

The SBI IRCTC credit card benefits and features are listed below-

Welcome Benefits

With the payment of the first annual fee, you will receive 1,500 reward points (1 reward point = Rs. 1,500). Within 45 days of qualified transactions, these bonus reward points will be credited to your IRCTC SBI Premier Card account. After linking your IRCTC SBI Card loyalty number to your IRCTC user account, you can redeem these points on the IRCTC website and mobile app

Value Back Benefits

  • 5% back on Air ticket purchases on www.air.irctc.co.in

  • 5% back on E-catering purchases on www.ecatering.irctc.co.in

Fuel Surcharge Waiver

On transactions between Rs. 500 and Rs. 4,000, there is a 1% fuel fee remission (up to Rs. 250 per statement) across all petrol outlets in India (exclusive of GST and other charges)

Railway Lounge Access

You can enjoy 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)

Rewards

  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends

  • Earn 1 Reward Point per 125 spent on other non-fuel retail purchases

Annual Fee and Charges of SBI IRCTC Credit Card

Joining Fees

Rs. 1,499 + GST

Annual Charges

Rs. 1,499 + GST

Finance Charges

42% pa

Late Payment Fees

Outstanding Balance

Late Payment Charges (Excl. GST)

Less than Rs 500

Nil

Rs 500 to Rs 1000

Rs 400

Rs 1001 to Rs 10,000

Rs 750

Rs 10,001 to Rs 25,000

Rs 950

Rs 25,001 to Rs 50,000

Rs 1100

More than Rs 50,000

Rs 1300

Eligibility Criteria of the IRCTC SBI Card

You can apply for this credit card once you fulfil all the eligibility criteria and regulations the bank states.

Documents Required to Apply for the IRCTC SBI Card

  • ID Proof: Aadhaar, Driver's license, Passport, or Ration card
  • Address Proof: Aadhaar, Telephone, Passport, Ration, Electricity bill
  • Income Proof: Pay slips and Bank statements

How Can I Apply for the IRCTC SBI Card Online?

To apply for SBI, follow the steps outlined below-

Step 1: Go to IRCTC SBI Credit Card page.

Step 2: Fill out the necessary information and submit the application.

Once the application is approved, you will be contacted by the SBI card staff for verification.

Similar Credit Cards

Credit Card Name

Feature

HDFC Bharat Cashback Credit Card

5% reward on railway ticket purchases made through the IRCTC website or app.

MakeMyTrip ICICI Bank Platinum Credit Card

Up to Rs. 200 in My Cash for every Rs. 200 spent on MakeMyTrip.

Air India SBI Platinum Credit Card

Up to 15 reward points per rupee spent on Air India tickets purchased through the Air India website or app.

IRCTC Rupay SBI Card

Up to 10% off train ticket bookings made through IRCTC.

HDFC Bank Diners Club Rewardz Credit Card

Three points for every Rs. 150 spent.

Other SBI Credit Cards

SBI Elite Credit Card

BPCL SBI Card

CASHBACK SBI Card

IRCTC SBI Card

SBI Prime Credit Card

SBI Card PULSE

SimplyCLICK SBI Credit Card

SBI Unnati Credit Card

SBI SimplySave Credit Card

SBI Shaurya Credit Card

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