IRCTC SBI Card is an internationally valid credit card brought to you by SBI, which comes co-branded with the Indian Railway Catering and Tourism Corporation Limited (IRCTC) to provide you a new and affordable travel and lifestyle experience. The card has been designed by R. K. Laxman, a prominent cartoonist; keeping in mind the particular needs and tastes of everyday users in travel and lifestyle. The SBI IRCTC credit card comes packed with several benefits and privileges.
With this card, you can earn reward points as you spend. The reward points that you earn are valued at Rs. 1 per each reward point. You can get exclusive benefits, deals and discounts when you book railway tickets on IRCTC.
Let’s take a quick look at the benefits of IRCTC SBI Card.
Benefits of IRCTC SBI Credit Card
1. Welcome Deal
- Get 350 activation bonus Reward points on spending Rs. 500 or more within 45 days of card issuance
- Earn Rs. 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card
2. Value Back Benefits
- You can get up to 10% value back of your purchase value as reward points (1 reward point = Rs. 1), when you book tickets on IRCTC for AC1, AC2, AC3 and AC CC
- You can even earn 1 reward point for every Rs. 125 spent on your IRCTC SBI Credit Card on retail purchases, which includes railway tickets, but not fuel
- Link your IRCTC SBI Card with your IRCTC Login ID to redeem your reward points on IRCTC
3. Travel Offers from IRCTC
- Avail 1.8% transaction fee discount when you book railway tickets on IRCTC
- Book your airline tickets with IRCTC at unbeatable prices only on IRCTC
4. Fuel Surcharge Waiver
- Save 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3000 excluding GST and other charges
- You can avail a maximum surcharge waiver of Rs. 100 per a statement cycle for a given credit card account
Features of IRCTC SBI Card
- Withdraw cash from over 1 million VISA ATMs around the globe including 18,000 ATMs in India
- Withdraw cash from 10000 SBI ATMs in more than 100 cities in India
- Avail add-on cards for your family members above the age of 18
- Transfer your balance from other credit cards to your IRCTC SBI Credit Card to avail a lower rate of interest and payback in EMIs
- Comes with FlexiPay, which converts your transactions in EMIs. Transact for Rs 2500 or more and log on to www.sbicard.com within 30 days of purchase to convert it into FlexiPay
Eligibility Criteria of IRCTC SBI Card
- Age of the applicant: The applicant should be at least 18 years of age to be eligible for any SBI credit card. Also, the maximum age to be eligible is 60 years. People who do not fall in the mentioned age limit are not eligible to apply for any SBI Credit Card.
- Income of the applicant: The income criterion for SBI credit card differs on the basis of credit card the applicant has applied for. For low-cost cards like IRCTC SBI Credit Card, the income requirement can be lower than the high-cost cards.
- Credit score of the applicant: If the applicant has a good credit score, the chance of IRCTC SBI Credit Card approval increases. Also, banks provide higher credit limit to applicants with good credit score.
- Documentation Required: Documentation formalities is a must to be eligible for IRCTC SBI Credit card. The bank usually asks for your identity proof, address proof and income proof. The following documents can be used for approval purposes.
A. Identity Proof
- Passport
- PAN Card
- Driving License
- Voter ID Card
- Aadhaar Card
B. Address Proof
- Passport
- Ration Card
- Electricity Bill- not more than 6 months old
- Landline Telephone Bill - not more than 3 months old
- Credit Card Statement- not more than 3 months old
- Bank account statement
C. Proof of Income
- Form 16
- Income Tax Returns
- Salary Slip
The representative from SBI may also ask you to present the original documents with copies for one-time verification. You can get approval for IRCTC SBI Credit Card once you meet all the conditions mentioned above.
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