SBI IRCTC Credit Card Offers & Benefits

SBI IRCTC Credit Card
Credithita Rating : 4

SBI IRCTC Credit Card

Rewards Rate
  • 10% back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on irctc
  • 5% back Air ticket purchases on www.air.irctc.co.in
SignUp Bonus
  • Get 1500 reward points equivalent to INR 1500 on payment of first annual fee
  • Avail Movie voucher worth 500 from Book my show* on spends of INR 2000 within first 60 days
Fee
₹1,499
Milestone Benefit
  • Earn 2,500 Reward Points on annual travel spends* of ₹50,000
  • Earn 5,000 Reward Points on annual travel spends* of ₹1,00,000
Card Brand

Key Details of SBI IRCTC Credit Card

  • Get 1500 reward points equivalent to ₹1500 on payment of first annual fee
  • Avail Movie voucher worth 500 from Book my show* on spends of ₹2000 within first 60 days
  • 10% back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on www.irctc.co.in
  • 5% back Air ticket purchases on www.air.irctc.co.in
  • 5% back E-catering purchases on www.ecatering.irctc.co.in
  • Earn 2,500 Reward Points on annual travel spends* of ₹50,000
  • Earn 5,000 Reward Points on annual travel spends* of ₹1,00,000
  • Spend Based Reversal of Annual Fee on spends of ₹2 Lakhs
  • Complimentary Rail Accident Insurance of ₹10 Lakhs
  • Complimentary Air Accident insurance of ₹50 Lakhs
  • Complimentary Fraud Liability cover of ₹1 Lakh
  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of ₹500 - ₹4,000, exclusive of GST and other charges
  • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on irctc.co.in
  • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book air tickets on air.irctc.co.in

Pro's of SBI IRCTC Credit Card

  • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on irctc.co.in, using your IRCTC SBI Card Premier
  • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book air tickets on air.irctc.co.in, using your IRCTC SBI Card Premier

Fee Details of SBI IRCTC Credit Card

  • Joining Fee - ₹1,499+ GST
  • Annual Fee (Second year onwards) – ₹1,499+ GST
Cash withdrawal Interest
3.35% per month
Purchase Interest
3.35% per month

Charges of SBI IRCTC Credit Card

Fee Type Charges
Cash withdrawal fee 2.5% on advanced amount, subject to minimum of ₹500
Late payment charges
  • No charge for up to ₹200 outstanding balance
  • ₹100 for between ₹201 to ₹500
  • ₹400 for between ₹501 to ₹1,000
  • ₹600 for between ₹1,001 to ₹10,000
  • ₹800 for between ₹10,001 to ₹25,000
  • ₹950 more than ₹25,000
Payment dishonor fee 2% of the payment amount or ₹450
Statement retrieval fee ₹100 per statement
Card replacement charge ₹100
Over-limit fee 2.5% of the over-limit amount or ₹500
Rewards redemption fee ₹99
Fee on cash payment at branches ₹100
Eligibility of SBI IRCTC Credit Card
  • Applicant should be either self-employed or salaried.
  • Age should be between 21 and 65.
  • Good credit score.

Documentation for SBI IRCTC Credit Card

  • KYC documents
  • PAN card or Form 60
  • Income proof such as salary slip, Income tax returns Form 16
  • Proof of residence: Passport or driving license or ration card or electricity bill or Landline telephone bill
Accepted Documents
    Proof of Identity
  • PAN Card
  • Aadhaar Card
  • Voter’s ID Card
  • Passport
  • Driving Licence
    Proof of Address
  • Aadhaar Card
  • Passport
  • Utility bills (not more than 3 months old)
  • Any other government-approved ID
    Proof of Income
  • Bank statement for the last 3 months
  • Salary slips for the last 3 months
  • Audited financials for the last two years (for self-employed)
  • Form 16

Frequently asked questions

Is SBI IRCTC Credit Card free?

Can I withdraw cash from SBI IRCTC Credit Card?

What is the interest rate for SBI IRCTC Credit Card?

Is SBI IRCTC Credit Card International?

What is the cash advance limit for SBI IRCTC Credit Card?

How can I pay my SBI Credit Card bill?

What is the billing date of the SBI Credit Card?

Will I be charged for IMPS transactions?

Will I be charged for NEFT transactions?

How do I report that my credit card has been lost or stolen?

How can I get my credit card statement?

Is applying for a credit card will do the hard credit pull?