How Can An SBI IRCTC Credit Card Lets You Travel With Style?

Booking a train ticket through IRCTC is a task in itself and if I tell you that there is one credit card that can give you services like free railway tickets and other benefits, it would be hard to believe? Well, ease yourself because, with the help of an SBI IRCTC credit card, you can enjoy a wide range of privileges on train tickets from IRCTC and other retail purchases you make.

All the purchases that you make with your credit card will earn you reward points. These rewards can be redeemed on the IRCTC’s website against the purchase of railway tickets. This card acts as a perfect partner for those who frequently travel by trains and looking for a credit card that can supplement their traveling habits. This article will explain every little detail about the SBI IRCTC credit card so that you can make a better decision while opting for it.

Prominent features of SBI IRCTC Credit Card that makes it one of the best travel cards?

There are various traits in this card that makes it so special for the travelers. You have a look at some of the features below.

• On buying tickets through irctc.co.in on categories like AC1, AC2, AC3, and AC CC, you can get upto 10% value back in the form of reward points. One reward point equals to ₹1.
• On spending every ₹125 on all purchases except fuel, you get 1 reward point.
• Within 45 days of card issuance, if you make a single transaction of ₹500 or above, you would get 350 activation bonus reward points. The transaction shouldn’t be for cash withdrawal or fuel-related.
• By the travel offers from IRCTC, you can save upto 1.8% transaction charges on train tickets booking. 
• You can also book airline tickets through IRCTC at a competitive price.
• With your SBI IRCTC credit card, you don’t need to pay the 1% fuel surcharge across all fuel stations for the transaction ranging from ₹500 to ₹3,000. The maximum waived off surcharge can go upto ₹100 in a monthly cycle.
• You also get a complimentary insurance cover of ₹10 lakh in case of your loss of life during your train travel.
• By applying online, you can also get BookMyShow vouchers worth of ₹250 through a limited period offer.

Joining and Annual Fees:

You have to pay a nominal annual and joining fee to have this card in your wallet. The joining fee is fixed at ₹500 and the annual fee for each year is ₹300. Also, there is no fee on the add-on card facility.

How can I make my SBI Credit Card payment online?

It’s important to make your SBI credit card payment before the due date. Delaying it further will badly affect your credit score and also, you will have to pay the interest charged on it. There are various ways by which you can make the payment of your credit card due amount which includes netbanking, mobile app, UPI, YONO, NEFT payment, and many others.

Am I eligible for an SBI IRCTC Credit Card?

You can check your eligibility by glancing at the following conditions.

• Monthly income should be or more than ₹20,000.
• The applicant’s age must be a minimum of 21 years.
• The credit score should be more than 700.