Travel
1st Year Fee: ₹500* Plus Applicable Taxes
Travel Benefits
Up to 10% value-back on train bookings via IRCTC
Welcome Bonus
350 reward points on card activation
Lounge Access
4 free railway lounge visits every year
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SBI IRCTC Credit Card is a travel credit card offered in association with IRCTC. The card extends multiple travel benefits to the users at a minimal annual fee. Cardholders can get significant value-back on booking tickets through IRCTC along with other benefits like railway lounge access and transaction charges waiver on railway ticket bookings. Additionally, card users get basic rewards on other retail purchases. If you frequently travel within India via trains and are looking for a low-fee credit card, IRCTC SBI Platinum Card can be a good fit for you.
Note that SBI Card also offers an advanced version of this card- IRCTC SBI Premier Card at a comparatively higher annual fee of Rs. 1,499. The Premier Card provides more extensive saving opportunities for travellers, hence those who are ready to pay a higher annual fee can consider this card.
This credit card offers travel benefits in the form of accelerated rewards, transaction charge waiver and railway lounge access, as shown below:
Cardholders will earn value-back in the form of reward points, which can later be redeemed directly via the IRCTC website or Mobile App (Android only). To redeem the reward points, cardholders will have to link their IRCTC SBI Card Loyalty Number with their IRCTC Login ID.
An important point to note here is that airline, hotel and holiday package bookings can also be made through the IRCTC Platform. However, with this card, accelerated reward points as well as transaction charge waiver can be availed only on train ticket bookings.
In addition to the travel benefits, IRCTC SBI Platinum Card also offers reward points on other spends and some other benefits as shown below:
Reward Points
Welcome Benefit
Fuel Surcharge Waiver
Savings Calculator
This is mandatory field
If you spend upto ₹0/yr
Spend Rewards₹0
Milestone Benefits₹0
You save₹0
₹500 Plus Applicable Taxes
NA₹300 Plus Applicable Taxes
NANeed Help understanding?
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 | ||||||||||||||
| Annual Fee | Rs. 300 | ||||||||||||||
| Finance Charges | 3.50% p.m. | 42% p.a. | ||||||||||||||
| Late Payment Charges |
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Get this card if:
You frequently travel via train and would like to save on this expense
You are not looking for benefits on other spending categories
You specifically seek a low annual fee travel credit card
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Documents Required: PAN, Aadhaar or any other government approved photo ID and address proof, along with last 3-month’s salary slip or bank statement as proof of income
With a low annual fee of Rs. 500, SBI IRCTC Credit Card gives 10% value back on every railway ticket booking which is a good return for a low-fee card. Transaction charge waiver and complimentary railway lounge access definitely add value for train travellers. SBI Card also provides an advanced variant of the card- IRCTC SBI Card Premier- with slightly better value, albeit at a comparatively higher annual fee. Consumers who seek more savings on their train travels, along with some other everyday categories, can consider getting the Premier variant.
Though IRCTC SBI Platinum Card can be a decent option for travellers, it is a very basic card for those who spend more than or equal to Rs. 20,000 on railway tickets per annum. There are no benefits on daily spends such as grocery, shopping, utility bills, etc. Only 1 reward point is provided on every Rs. 125 spent which can easily be the lowest in any category. Hence, SBI IRCTC card is meant for you only if you travel a lot by trains. You should, however, opt for other cards if you want some benefits from every category like shopping, rewards, dining, travel, etc.
Footnotes
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Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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