Credit Card Reviews

Stay On The Rewarding Track With SBI IRCTC Credit Card⎜Review

SBI IRCTC Card Review

SBI and IRCTC Treat You With Free Rail 

Want to treat yourself with free rail tickets and rail travel related adversaries? Well, you’ve stepped at the right platform. Guess the word platform is perfectly in line with what we’re offering for today. We’ll set the tone for you to yield more return on your rail journey with the new entry of ours.

As known by, IRCTC, a short acronym for Indian Railway Catering and Tourism Corporation Limited is tasked with providing rail travel related offering for seekers. SBI bank, one of the premier banks of India, in relation to IRCTC has offered a co-branded credit card with great worldly offerings. We’ll set to run the rule over the card and seek whether it delivers what it promises along.

Read along as we dig deep into the review of IRCTC SBI Card. 

Features of IRCTC SBI Card 

At a first glance, this one seems a primary travel offering based credit card. But turning through the offerings list, we found pretty good incentives and features. We’ll seek the features of it down below.


What’s new? 

Waiving off transaction surcharge on IRCTC rail ticket bookings up to 1.8% for the ticket price. Furthermore, avail cash on the go with the wide arrayed network of SBI across the nation and abroad. You can use any SBI-network ATM’s in India along with VISA-accepted platforms across the globe.

You can access Flexipay, which shall enable your transaction to be able to convert into monthly installments. It also has Easy Money Facility, one that shall allow you to get your cheque or draft ordered and delivered right to your doorstep.

What’s not so new? 

You can access the golf course, premium lounge and fine-dining places with IRCTC SBI credit card. There’s an easy route to bill payment gateway for utilities, mobile recharge, insurance and more. You can further issue add-on card for family members as is seen with other credit cards on offer.

Benefits of IRCTC SBI Card 

Well, it’s time we unveil the benefits of IRCTC SBI Card in our review. Join in as we present the case in two segments titled ‘Unmatched Benefits’ and ‘Matched Benefits’.

Unmatched Benefits 

irctc-sbi-platinum-cardYour first term with IRCTC SBI card will be treated with Welcome benefits in the ilk of activation bonus and cash backs. Avail travel offers from IRCTC by logging on the site and booking tickets with your IRCTC SBI card.

You are further entitled to value back benefits in form of Reward points. You can avail Reward Points up to 10% of your travel value for AC category tickets. The Reward Points system is also in place for non-fuel retail expenses where you can get 1 Reward Points for every Rs 125 spent.

The common benefits 

Along with the aforementioned benefits, you can also enjoy the privileges regarding fuel surcharge waiver as seen in other credit cards hovering around the financial market.

Eligibility & Documents

This IRCTC SBI Card remains open to anyone who fulfills the minimum of requirements deemed by the bank. Here’s what you’d need to have-

The individual should have stable income source and will need to furnish income slips for the reckoning. He/She should submit PAN Card along with Identity proofs foresee any of Aadhaar Card, Passport, Voter ID or more.

Fees & Charges 

The fees for the IRCTC SBI Card is in the same reckoning with most other counterparts and will cost you an Annual fee of Rs 500 for one time. You can further renew your card for Rs 300 every year.

It will also be easy to benefit from interest-free credit for 20-50 days and will need to shed finance charges of 3.35% per month.  The cash advance limit for the card is around 80% of the credit limit or Rs 12000 per day. You will be charged either 2.5% of transaction amount on domestic ATM’s and 3% of transaction amount on International ATM’s for cash advances.

CreditSmart Verdict: 

Judging by the offers on avail, IRCTC SBI Card makes up for a fine piece of the travel card. It delivers big on what it promises, i.e. added benefits of rail tickets and bookings. The card also has a global acceptance and offers many more privileges apart from the rail ticket offerings.

This card will be a perfect piece for the traveler in you but will need some consolidation as a normal credit card. But hey, this wasn’t designed to be a normal credit card, was it? Answer your call by applying here.

About Vivek Y

Hi, It's me Vivek Yadav, a freelance writer, and editor. A very diligent worker with a good range of active communication skills. My actual background is in accounting and finance fields though I'm quite enthusiastic about the writing and literature.
Currently, I'm pursuing my graduation as a Chartered Accountant. But with a penchant for my freelance writing career, I'm here to stay.

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