SBI IRCTC Credit Card

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SBI IRCTC Credit Card is for those who loves to have long journeys frequently on trains. 

Image Credit : SBI Cards

Features & Benefits

Welcome Gift

  • Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.

Value Back Benefits

  • 40 Reward Points per ₹100 for Travel dates between 15 Jan – 31 Mar and 15 July – 15 Sep. 16 Reward Points per ₹100 for Travel dates between 1 April -14 July and 16 Sep – 14 Jan valid on 1AC, 2AC, 3AC, CC or EC class bookings. 
  • 1 Reward Points = 1 IRCTC Travel Point. Travel points will be credited only 5 days after the date of journey completion, if the ticket is not cancelled. Click here for details.
  •  Click here for IRCTC SBI Card Loyalty Program 

Reward Benefits

  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App

Railway Lounge 

  • Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
  • To avail the offer, please use your IRCTC SBI Platinum Card at the respective lounges

Fuel Surcharge

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges Max 100/statement cycle. 

 What Doesn't Works

  • Poor base reward rate of 0.8%.
  • No annual fee waiver
  • SBI Charges 99+GST for Rent payments. 
  • No RP for wallet load, cash withdrawal. 

Fees

  • Joining Fee : 500+GST; Compensated partially with RP worth Rs350 .
  • Annual Fee: 300 +GST

Verdict

 SBI IRCTC Platinum Card is good for those who prefer to onboard train for their vacations/ long journeys.

 

 


 

 


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