IRCTC SBI Platinum RuPay Credit Card is issued by SBI and IRCTC which is specially designed for train travelers in India. This card provides good cashback to passengers traveling by train.
Card Type: Travel
Benefits:
- Reward Points:
- You get 10% cashback on all types of train tickets booked through the IRCTC website and app.
- Earn 1 Reward Point for every Rs. 100 spent on other retail transactions. (1 Reward Point = Re. 1)
- Welcome Bonus: When you make the first transaction at retail with this card, you are given 350 and after 45 days you are given 500 reward points.
- Transaction Fee Waiver: Get a 1% waiver on transaction charges levied by IRCTC for booking train tickets online through IRCTC.co.in
- Fuel Surcharge Waiver: Get up to Rs. 100 monthly waiver on fuel surcharge for transactions between Rs. 500 and Rs. 3,000 at all petrol.
- Lounge Access: Enjoy 4 complimentary lounge access visits per year at select railway lounges across India. (One access per quarter)
- Insurance: Get complimentary accidental death insurance coverage.
Fees
- Joining Fee: Rs. 500 + GST
- Annual Fee: Rs. 300 + GST
Eligibility :
- Minimum age: 21 years
- Indian resident with a valid PAN card
- Good credit score (typically above 750)
- Salaried person: 30,000 Per Month
- If You are a self-employed: Minimum ITR 6,00,000 per Anum
Additional Features:
- IRCTC SBI Credit card is a Rupay Credit Card
- Contactless payment
- Easy EMI
- Railway Ticket Booking
- Add On Card
Customer Service:
- Contact SBI Card customer care at 1800 180 1245 or visit their website for any questions or assistance.
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- IndusInd Platinum RuPay Credit Card
- SBI SimplyCLICK Credit Card
- BPCL SBI Credit Card Card
Pros & Cons
Pros
- Train Booking Benefits:
- Transaction Charge Waiver: Save the 1% convenience fee charged on IRCTC bookings when using the card.
- Reward Points: Earn points on train ticket purchases, which can be redeemed for future travel or other rewards.
- Lounge Access: Get complimentary access to railway lounges a few times a year (varies by card variant).
- Other Benefits:
- Welcome Bonus: Earn bonus points upon card activation.
- Fuel Surcharge Waiver: You can save a little on fuel purchases.
- RuPay Network: Rupay is mostly accepted for domestic transactions in India.
Cons
- Limited Rewards Outside Trains: You get fewer reward points on this card except for train expenses.
- Annual Fee: This may prove to be worrying for those who travel less by train.
- Lower Credit Limits: The credit limit of this card may be less than that of premium cards.
- RuPay Network Limitations: RuPay Card is accepted internationally more than Visa and MasterCard.
Overall:
IRCTC SBI RuPay Credit Card can prove to be a valuable card for rail travelers in India, it offers high cashback on train bookings, lounge access benefits, and other benefits.
Disclaimer
CredBanking will not take any responsibility if there is any change in the rewards or fees or anything else on this credit card. We have collected the information about IRCTC SBI Platinum RuPay Credit Card from the internet.
