Best Offer SBI IRCTC Credit Card For Diwali 2022

SBI IRCTC Credit Card Provided is State Bank of India. is the largest financial services company in India. Its headquarter is located in Mumbai. SBI gives a extensive range of products and services to individuals, industrial organizations, massive corporates, public bodies and institutional customers via SBI’s numerous branches and outlets , joint ventures , subsidiaries and partner organizations.

About the card:

The IRCTC SBI Platinum credit card is a co-branded card which is mainly designed for Indian customers. It gives a number of the exceptional journey, retail, eating and enjoyment benefits which consist of 10% cost backs, praise factors, exciting gives, transaction rate waivers and plenty of more.

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Features and Benefits:

  • Get 350 activation bonus reward points on single transaction of Rs.500 or extra.
  • Earn upto 10% value lower back as praise points in case you buy tickets via irctc.Co.In for AC1, AC2. AC3 and AC CC and earn upto 10% price back as praise factors.
  • Get 1 Reward point in keeping with Rs.One hundred twenty five spent on non-fuel retail purchases, which includes railway price tag purchases at irctc.Co.In
  • Save 1.8% transaction fees on railway ticket bookings on www.Irctc.Co.In.
  • Get fuel surcharge waiver of 1% on all the petrol pumps throughout India.
SBI IRCTC Credit Card
Sbi IRCTC Credit Card

Eligibility of SBI IRCTC Credit Card

  1. Applicant have to be both self-employed or salaried.
  2. •Age should be among 21 and 65.
  3. Good credit score.

Documentation for SBI IRCTC Credit Card

  • KYC documents
  • PAN card or Form 60
  • Income evidence including revenue slip, Income tax returns Form 16.
  • Proof of house: Passport or using license or ration card or power invoice or Landline phone invoice.

Accepted Documents

Proof of Identity

  • PAN Card
  • Aadhaar Card
  • Voter’s ID Card
  • Passport
  • Driving Licence

Proof of Address

  • Aadhaar Card
  • Passport
  • Utility bills (not extra than three months old)
  • Any different government-accredited ID

Proof of Income

  • Bank announcement for the ultimate 3 months
  • Salary slips for the remaining 3 months
  • Audited financials for the closing two years (for self-hired)
  • Form sixteen

Application Process Of SBI IRCTC CREDIT CARD


Rewards and Redemption:

You can earn 1 Reward Point for every Rs one hundred twenty five spent on our retail purchases (Excluding Fuel) with your IRCTC SBI Platinum credit card.

Here, 1 Reward Point = Re. 1.

Secondly, you can additionally earn up to ten% Value Back as Reward Points at the same time as you e-book Railway Tickets on IRCTC. This offer is simplest legitimate on AC1, AC2, AC3 and AC CC categories.

You can redeem these amassed reward factors towards booking Railway Tickets on IRCTC Website.

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With IRCTC SBI Platinum credit score card, you may store 1.8% transactions expenses on railway price tag booking on IRCTC’s website.

This card also permits you to avail lodging gives at extra than 5000 motels unfold across 350 towns in India.

You also can avail exceptional journey advantages and privileges. You can e-book your air tickets at discounted prices.

Avail custom made tour programs from journey, wildlife to leisure and pilgrimage across India from IRCTC Website.

Other Benefits and Privileges:

  1. Convert your transactions of Rs 2500 and above into clean month-to-month Installments the use of Flexipay.
  2. Get a draft or cheque in opposition to your coins restrict at the doorstep the use of Easy Money.
  3. Transfer the top notch balance of other banks on your card and pay them again via easy EMI’s and at a lower hobby charge.

Frequently asked questions:

Is SBI IRCTC Credit Card unfastened?

No, SBI IRCTC Credit Card has a first-12 months joining charge of ₹1,499 + GST and a renewal charge of ₹1,499 + GST.

SBI IRCTC Credit Card FAQ:

Q1 – Can I withdraw coins from SBI IRCTC Credit Card?

Like maximum of the credit score playing cards, you could withdraw money the usage of SBI IRCTC Credit Card up for your allowed cash withdrawal restriction. Every transaction includes a charge of two.5% at the advanced amount, concern to not less than ₹500. The hobby rate is 3.35% monthly or 40.2% yearly.

Q2 – What is the interest charge for SBI IRCTC Credit Card?

The hobby price on SBI IRCTC Credit Card is three.35% month-to-month or forty.2% yearly. The interest is calculated at the balance due from the beginning date of the billing cycle.

Q3 – Is SBI IRCTC Credit Card International?

Yes, you can use SBI IRCTC Credit Card the world over and every transaction will have a 3.50% foreign currency mark-up charge. Make positive you update SBI about your travel plans via calling their patron care before your tour in order that your transactions are not denied by using SBI suspecting these are fraudulent.

Q4 – What is the cash increase limit for SBI IRCTC Credit Card?

SBI IRCTC Credit Card as much as eighty% card restriction allowed as cash withdrawal restrict.

Sbi IRCTC Credit Card
Sbi IRCTC Credit Card


IRCTC SBI Platinum Credit Card, that’s a few of the popular SBI Credit Cards in the journey class, may be for the only who’s an avid visitor and is comfortable commuting by way of railways. This card gives privileges like reductions on railway ticket bookings, Offers, offers on accommodations, customized tour programs, and so forth. That are commonly useful for travelers available. Moreover, it additionally gives a contactless payments alternative which is available in handy at the same time as journeying. What do you think about this credit score card, do allow us to recognize.

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