SBI IRCTC RuPay Credit Card

SBI IRCTC RuPay Credit Card is designed to enhance your travel experiences like never before

You will get:
✅ 10% value back on IRCTC bookings
✅ Complimentary railway lounge access
✅ Exclusive IRCTC Travel Offers
✅ Fuel surcharge waiver

Why you should apply from here:

✔ 100% online process

✔ Fast, secure and convenient

Apply now to get your SBI IRCTC RuPay Credit Card

SBI IRCTC Credit Card: Your Passport to Hassle-Free Rail Travel

The SBI IRCTC Credit Card is a co-branded credit card offered by State Bank of India in collaboration with Indian Railway Catering and Tourism Corporation (IRCTC). It’s designed specifically for frequent train travelers, offering a host of benefits and perks to make your rail journeys more convenient and rewarding.²

Key Features and Benefits:

1. Reward Points:
   • 10% Value Back: Earn 10% of the ticket value as reward points on every AC First Class, AC Second Class, AC Third Class, and AC Chair Car ticket booked on the IRCTC website.
   • 1 Reward Point = Re. 1: These points can be redeemed for a variety of rewards, including statement credits, gift vouchers, and merchandise.
2. Transaction Charge Waiver:
   • Save 1%: You can save 1% on the transaction charges when booking railway tickets on the IRCTC website. This can add up to significant savings, especially for frequent travelers.
3. Complimentary Lounge Access:
   • Relax in Comfort: Enjoy complimentary access to railway lounges across India. This is a great way to relax and unwind before your journey.
4. Fuel Surcharge Waiver:
   • Save on Fuel Costs: Get a fuel surcharge waiver of up to Rs. 100 per month on fuel transactions between Rs. 400 and Rs. 4,000.
5. Exclusive Offers and Discounts:
   • Exclusive Deals: Enjoy exclusive offers and discounts on various products and services, including travel, shopping, and dining.

How to Apply:

You can apply for the SBI IRCTC Credit Card online through the SBI Card website or by visiting your nearest SBI branch.⁷ The application process is simple and straightforward.

Eligibility Criteria:

To be eligible for the SBI IRCTC Credit Card, you must:

• Be an Indian resident.
• Be at least 21 years old.
• Have a good credit history.
• Have a stable source of income.

Fees and Charges:

• Annual Fee: Rs. 500
• Finance Charges: As per the bank’s prevailing interest rates
• Cash Advance Fee: 2.5% of the cash advance amount (minimum Rs. 500)
• Foreign Transaction Fee: 3.5% of the transaction amount

Overall, the SBI IRCTC Credit Card is a great choice for frequent train travelers. It offers a range of benefits that can help you save money and make your journeys more comfortable.⁸ By taking advantage of the reward points, transaction charge waiver, and lounge access, you can maximize the value of your card.

Additional Tips for Using Your SBI IRCTC Credit Card:

• Pay Your Bills on Time: Timely payments help maintain a good credit score, which can be beneficial for future credit applications.
• Use Your Card Regularly: Regular usage can help improve your credit score and eligibility for higher credit limits.
• Keep Track of Your Spending: Monitor your spending habits to avoid overspending and debt.
• Secure Your Card: Keep your card safe and secure, and report any lost or stolen cards immediately.
• Check Your Statement Regularly: Review your monthly statement to ensure that all transactions are accurate.

By following these tips, you can make the most of your SBI IRCTC Credit Card and enjoy the many benefits it offers.