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SBI IRCTC Credit Card: Advantages, Downsides & Opinion

Indian Railway catering & tourism corporation(IRCTC) has collaborated with SBI. In Collaboration with the State bank of India, IRCTC has launched a Credit Card named SBI IRCTC Credit Card. This SBI IRCTC Credit Card is launched on the Rupay Platform.

This IRCTC SBI Credit Card is a co-branded International Valid Card. If you are a travelling lover, This can be a very useful Credit Card for you.

If you use this card then you will get most of the benefits of the SBI Platinum Credit Card. With this SBI IRCTC Credit Card, You can pay for ticket booking & others like a cashback offers reward points. Because of this credit card, you will get value back on every booking payments.

So, In this Article, We Will know that If you use this card. What benefits you will get. What are the charges for this card? How you can apply for SBI IRCTC Credit Card. what are the best offers of this SBI IRCTC Credit Card?

Benefits & Specialities Of SBI IRCTC Credit Card:

There are many benefits available in this Credit Card. If you use this credit card, you will get many benefits like cashback offers, reward points, and instant cashback on bookings. Also, you will get on fuel filling and personal insurance. Keep reading this article for detailed information.

1. Value Back Offer of SBI IRCTC Credit Card:

If you book tickets with this Card then you will get many types of value back offers. If you book tickets like AC-1, AC-2 or CC from irctc.co.in or IRCTC app, You will get up to 10% cashback. But If you book another ticket from SBI IRCTC Credit Card, You will not get any type of cashback.

You will get this cashback in reward points. where the price of one reward point is 1 rupee. You can spend your reward points on the IRCTC website or mobile app.

If you spend 125 rupees on this card, You will get 1 reward point. It means you will get 1 reward points for every 125 spends.

2. Activation Benefit:

If your card is approved. After approval, If you spend more than 500 Rupees under 45 days, You will get Bonus Reward Points worth 350 Rupees.

3. Ticket Offers:

When you book tickets from IRCTC & If you pay from any credit card, You have to pay a 1.8% surcharge. But if you book tickets & pay from this SBI IRCTC credit card, Your 1% surcharge will be cancelled. You don’t need to pay 1% part of your surcharge. You only have to pay only 0.8% surcharge.

4. Fuel Filling:

When you buy fuel using credit cards, You have to pay a 1% surcharge. but If you use an SBI IRCTC credit card for fuel filling. You don’t need to pay the surcharge. You only have to pay the amount of your bought fuel.

Even, if you pay using others cards, you have to pay a 1% surcharge. But Your surcharge is limited to 100 rupees for a month. It means, Your surcharge waiver limit is 100 rupees. After crossing the limit, you have to pay the fuel price including Surcharge.

5. Personal Insurance:

The cardholders will get complimentary Accident Insurance Cover on their Insurance Protection. According to this, In any situation If Cardholder dies on a train during travelling. So His family will get 10 lakh rupees Insurance amount.

6. Railway Lounge Program:

This is an additional benefit of this sbi irctc credit card.

As like the airport lounge program in other cards. In SBI IRCTC Credit Card, You will get railway lounge access for free. You will get a total of 4 railway lounge access in a year. You can use the lounge 1 time every 3 months.

This longe access is available in only some selected cities in India. This longe access is available only in Delhi, Agra, Ahmedabad, Jaipur & Madurai. To claim the offer, Go to these cities.

7. Others Discounts:

If you shop from platforms like Bigbasket and Ajio, You will get better discounts. Excluding this, If you buy Medicines from Medlife. So you will get very useful discounts. Not only this, If you order from Rail recipe, You will get more profitable discounts.

Fees To Apply For SBI IRCTC Credit Card:

If you apply for this card before 31 march 2021, You will get a welcome benefit in this Card. It means you didn’t need to pay the annual fee of the SBI IRCTC Credit Card.

The annual fee to apply for this credit card is 500 Rs. SBI had opened a welcome benefit in this card, which is valid till 31, march, 2021.

But now, You have to pay 500 rupees annual fee to apply for this sbi irctc credit card.

If you used this card for about one year, If you want to renew this Sbi irctc credit card. You have to pay 300 Rs as renewal fees.

So, the renewal fees of the SBI IRCTC Credit Card is 300 rupees.

Disadvantages Of SBI IRCTC Credit Card:

There are some issues are there in this credit card. If you are not a Tour lover person then this sbi irctc credit card is not as useful for you. It means this card is offered mostly about the train.

However, this is an IRCTC credit Card but still, there are not as good offers as they must be. Let’s talk about the offers.

Even, If you book tickets from IRCTC. still, you will not get a complete discount on the surcharge. You will only get a 1% discount, still, you have to pay a 0.8% surcharge.
In this card, you will get reward points everywhere but there is no benefit of reward points. you can’t use reward points in most of the places. Even you can only use your reward points in ticket booking.

Conclusion & Opinion:

This card is providing you with multiple offers. By using this card, you will get reward points, insurance, lounge benefits. It means if you are a travelling lover then this SBI IRCTC credit card is much useful for you.

But if you are a simple person who doesn’t travel so much then you shouldn’t buy those credit card. This credit card is specially made for travelling lovers. You can see some others like SBI Simply Click Credit Card, SBI Simply Save Credit card or other best cards.