MoneymintMoneymint
    • ABOUT
    • BANK
    • CRYPTO
    • MONEY
    • TIPS
    • DISCLOSURE
      • DMCA
      • Terms and Conditions
      • Privacy Policy
    Subscribe
    MoneymintMoneymint
    Home»Credit Cards

    SBI IRCTC Platinum Credit Card Review (2022)

    By Sushma SinghUpdated:January 3, 2022
    SBI IRCTC Platinum Credit Card Review (2020)
    Share
    Facebook Twitter LinkedIn Pinterest Email

    SBI IRCTC platinum credit card was launched in association with Indian Railways Catering and Tourism Corporation (IRCTC). You can enjoy multiple travel benefits with the help of this card. These advantages are offered to the users at a minimal annual fee. A transaction charge of 1.8% is waived off. The customers are offered value back benefits if they book the tickets through IRCTC. The SBI Platinum Credit Card offers various other benefits:

    SBI IRCTC Platinum Credit Card Review 2022

    Benefits and features of SBI IRCTC Card

    Welcome offers: If the individual withdraws cash from ATM within the first 30 days of card activation, then the individual gets a cashback of INR 100. The individual is awarded 350 bonus points on a single transaction of about INR 500 or more within 45 days since the card has been issued.

    Excessive Value Back Benefits: When the bookings are made through the IRCTC website with the help of the SBI IRCTC Platinum credit card, then the users are offered a 10% value back on CC, AC1, and AC2 bookings. Reward points are also offered to individuals on everyday purchases. For every INR 125 spent on retail purchases, which also includes the purchase of railway tickets on the official IRCTC website, then he/she earns one reward point. Fuel purchases are not included in this. The value of 1 reward point is equated with INR 1, and the individual can redeem the accumulated points for booking railway tickets.

    No transaction charge on the tickets: If the individual is booking tickets with the help of the IRCTC website, then he/she will be saving a 1.8% transaction charge on their respective railway tickets.

    Global acceptance: The SBI IRCTC credit card has worldwide acceptance and is also an exclusive travel card. The individual can use this travel card in over 29 million outlets all around the world, including 3.25 lakh outlets present in India.

    Fuel surcharge waiver: If an individual purchases fuel for an amount between INR 500 and INR 3000, then the user gets a fuel surcharge waiver. INR 100 as a maximum surcharge waiver is allowed per month.

    Non-Stop Cash Availability: Individuals in possession of their cards can withdraw money anytime from any Visa ATM.

    Utility bill payment facility: With the help of the Easy Bill Pay facility, the individual can pay the utility bill payments such as telephone, insurance, electricity, etc. before the due date automatically.

    Avail IRCTC travel offers: Users of SBI IRCTC card can also avail special travel packages that might be wildlife, pilgrimage, leisure tours, tourism, or adventurous to different parts in India. The individual can buy airline tickets at affordable prices. The individual gets the option to choose from over 5000 hotels across 350 cities in the country while they are making reservations for themselves to stay. There is also an option for a custom made tour package.

    Also Read: 7 Best SBI Credit Cards In India Review

    Visa offers: The individual gets excessive privileges from Visa that also includes great deals on dining, travel, entertainment, and golf.

    24/7 Assistance: 24/7 Visa Global Customer Assistance is provided by the State Bank of India to help the individuals in times of need. IRCTC SBI Platinum Card Customer Helpline is also provided for the same.

    Add-on cards: The individual can also apply for add-on cards for their siblings, children, parents, and spouse above the age of 18, without any of the additional charges.

    Flexipay: With the help of Flexipay, the individual can convert all of his/her purchases over INR 2, 500 into EMI within 30 days of the transactions.

    SBI IRCTC Credit Card Fees and Other Charges

    Type of Charge Amount
    Table Rs.500
    Annual fee Rs.300
    Renewal fee Up to 3.35% per month
    Interest-free credit period 20 – 50 days (applicable only on retail purchases and on the contingency that all previous months’ outstanding balance is paid)
    Minimum amount due 5% of the total outstanding amount
    Cash withdrawal fee – SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs.300 per transaction
    Cash withdrawal fee – International ATMs 3% of the withdrawal amount or a minimum of Rs.300 per transaction
    Add-on fee (per annum) NIL
    Card replacement charges Rs.100 per replacement
    Late payment charges When the total amount due is in between:

    • Rs.0-Rs.200 – NIL
    • Rs.200 and Rs.500 – Rs.100
    • Rs.500 and Rs.1,000 – Rs.400
    • Rs.1,000 and Rs.10,000 – Rs.600
    • Rs.10,000 and Rs.25,000 – Rs.800
    • Greater than Rs.25,000 – Rs.950
    Cash payment fee and SBI branch Rs.100 per payment
    Cheque payment fee Rs.100 (for payments up to Rs.10,000)
    ​

    SBI IRCTC Credit Card – Eligibility Criteria 

    For an individual to be eligible for this credit card, he/she should meet the following requirements:

    • The individual should be a resident of India.
    • The individual is required to have a good credit history.
    • The individual must be above 18 years and below 65 years of age.

    When the individual is applying, there will be a need for some of the documents to establish proof of identity, income, and address. Additionally, the PAN card should also be submitted. These documents should be submitted successfully so that the individual can apply for this credit card.

    Documents required for applying for the IRCTC SBI Platinum Credit Card

    • KYC-PAN, ID proof, Address proof
    • Income proof – ITR documents, Form 16, Salary slip
    • Passport size photographs
    • PAN card photocopy, ID proof, and Address proof

    How to apply for the SBI IRCTC card?

    The individual should follow the steps given below to apply for SBI IRCTC card:

    • The individual needs to fill out an online application form.
    • Enter the basic details such as occupation, income, contact number, etc.
    • Then, select the SBI IRCTC Card from the list and proceed with the eligibility check by providing some additional details.
    • If the individual is eligible, then proceed with the application by providing employment details and personal details.
    • Verify the mobile number by submitting the OTP that has been received.
    • Once the application has been completed, the individual is going to get a call from SBI Card for document collection. For the collection of documents, a field agent will come.
    • Once the documents are verified, the credit card will be issued to the individual.

    How to redeem the reward points earned by the individual on his/her IRCTC SBI Platinum Card?

    The individual can redeem his/her reward points with the help of the following points:

    • The individual should log into the SBI card website.
    • Click on ‘Rewards.’
    • Click on ‘Redeem Rewards.’
    • The individual can choose from the catalog that will be offering various reward options.
    • The individual then needs to click on ‘Redeem Now’ and then confirm the request for redemption.

    Also Read: SBI SimplyCLICK Credit Card Review

    How can the individual redeem the rewards on his/her mobile phone?

    The individual can redeem the rewards on his/her mobile phone by following simple steps mentioned below:

    • Log in to the SBI mobile app.
    • The individual needs to click on the ‘Rewards’ on the left-hand side.
    • Click on ‘Redeem Rewards’
    • The individual then is supposed to choose from the catalog that will be offering various reward options.
    • Click on ‘Redeem Now’ and then confirm the request for redemption.
    Share. Facebook Twitter Pinterest LinkedIn Tumblr Email
    sushma
    Sushma Singh

    Sushma is a financial expert and online entrepreneur. With years of experience in personal finance and business management, she is dedicated to empowering individuals to take control of their finances and make smart investment decisions. Through Moneymint's website, she provides insightful tips, strategies and resources to help individuals grow their wealth and achieve financial stability. Join Sushma on the journey to financial freedom today!

    Keep Reading

    Ulta Credit Card Payment Process

    Ulta Credit Card Payment Process

    Apply for Business Credit Card with EIN

    Apply for Business Credit Card with EIN: List of Cards

    Ulta Credit Card Customer Service

    Ulta Mastercard Review: Everything there is to Know

    Ulta Mastercard Review: Everything there is to Know

    Best Credit card and Debit card without SSN

    Best Credit card and Debit card without SSN

    Best Reloadable Credit Card for Teenager

    Best Reloadable Credit Card for Teenager

    Latest Articles
    Bhushan Kumar Net Worth, Income, Property
    March 18, 2023
    What do Public Utilities Jobs Pay? Full List of Jobs
    March 18, 2023
    Ulta Credit Card Payment Process
    March 17, 2023
    Best Weekend Side Jobs to Earn Extra Income
    March 17, 2023
    Sunil Shetty Net Worth, Hotels, Property
    March 16, 2023
    How many Jobs are available in Consumer Services? Full List
    March 16, 2023
    How to Find the History of a Property Online? Full Guide
    March 15, 2023
    A Comprehensive Govt ITI Courses List
    March 15, 2023
    Chiranjeevi Net Worth, Salary, House Price
    March 14, 2023
    20 Best Paying Jobs in Transportation with Salaries
    March 14, 2023

    Subscribe to Moneymint

    Every Sunday we email people like you with top tips, insights and opportunities to manage your finances and build your online business.

    The form collects name and email so that we can add you to our newsletter list for updates. Check out our privacy policy
    Please enter a valid email address
    That address is already in use
    The security code entered was incorrect
    Thanks for signing up
    Moneymint
    Moneymint is a personal finance website that offers a variety of resources and tools to help individuals earn money online, save money, and create passive income streams. The site aims to empower users to take control of their finances and achieve their financial goals.

    Moneymint™ | Corporate Park, D-21, Sector 21, Dwarka, Delhi 110077
    Categories
    • Bank
    • Business
    • Credit Cards
    • Crypto
    • Loan
    • Money
    • Net Worth
    DISCLAIMER

    The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. References to products, offers, and rates from third party sites often change. While we do our best to keep these updated, numbers stated on our site may differ from actual numbers. See our Privacy Policy & Disclaimer for more details.

    © 2023 Framed Media
    • About
    • Contact us
    • DMCA
    • Terms
    • Privacy Policy

    Type above and press Enter to search. Press Esc to cancel.