SBI IRCTC Platinum Credit Card comes with various benefits. It is usually more attractive for those who want travel benefits as this card provides various discounts and reward points on booking of tickets.
Moreover
you can use this card for daily transactions as well. It is a SBI popular
credit card and it is globally accepted by over 29 million visa outlets.
In the following paragraphs we have explain its benefits, charges and how to apply with complete detail review:
What are the features and benefits of SBI IRCTC Platinum Credit Card?
Reward Points
SBI
IRCTC Platinum Credit Card comes with various exciting reward points which make
this card attractive in the eyes of customers.
Following are the benefits in
the form of reward points are given:
Welcome Benefits
- If you have done a single transaction of Rs.500 or more within the first 45 days of issuance of this card then you will get 350 bonus reward points as welcome benefits.
- Along with the above in the welcome benefits, if you withdraw cash from an ATM within 30 days of receiving this credit card then you can get Rs.100 cashback.
- These reward points will be credited within 45 days in your credit card account. (Here 1 reward point is equal to Rs.1)
Other Reward Benefits
- On every spent of Rs125 on non-fuel retail purchases you will get 1 reward point.
- Reward points for non-fuel retail purchases also include purchases of railway tickets at website www.irctc.co.in and IRCTC mobile app (for Android users only).
Travelling benefits
If
you buy tickets for AC1, AC2, AC3 and AC Chair Car through website
www.irctc.co.in and IRCTC mobile app (for Android users only) then you can earn
value back benefits of up to 10% as reward points.
If
you are booking railway tickets via www.irctc.co.in then you can save 1%
transaction charges.
Fuel Surcharge Waiver
By
using SBI IRCTC Platinum Credit Card, if you make the fuel transactions between
Rs.500 and Rs.3000 then for every such transaction you will get fuel surcharge
waiver of 1%. But maximum waiver can be of only Rs.100 per month.
Easy to use
With
the contactless facility this card is very easy and safe to use. You can use
this card in daily transactions like bill of electricity, telephone, mobile
bill & insurance premium etc. Moreover you can withdraw cash from over 1
million visa ATMs globally.
Low Joining and Annual (Renewal) Fee
SBI
IRCTC Platinum Credit Card charge very low charges on:
- Joining fee – Rs.500 (One-time payment)
- Annual (Renewal) fee – Rs.300 annually
Balance Transfer Facility
This
card also provides you facility of outstanding balance transfer, where you can
transfer your outstanding credit card balance of other banks into SBI IRCTC
Platinum credit card and start paying EMI at very low interest.
EMI - Flexipay EMI facility
For
transactions of Rs.2500 or more with SBI IRCTC Platinum Credit Card, you can
convert your purchase transaction into monthly EMI’s and pay the dues with
ease.
Add-on Card
The
credit card also provides an add-on card facility where you can add on your family
member's parents, spouse, children or siblings above the age of 18 years. There
are no add-on charges for this card.
Other Benefits
- You can avail accommodation over 5000 hotels.
- You can get various packages of tours in India for adventure, wildlife, pilgrimage, and any other leisure tours.
- It also provides great offers on travel, gulf, dining and other entertainment options from visa card.
Also Read:
What are the fees and charges of SBI IRCTC Platinum Credit Card?
|
Charges |
Amount |
|
Joining fee |
Rs.500 |
|
Annual Fee / Renewal Fee |
Rs.300
Annually |
|
Add-On Charges |
NIL |
What is the eligibility criterion of SBI IRCTC Platinum Credit Card?
SBI
provides credit cards after taking into consideration various factors including
your credit score.
Anyone
can apply for this card whether he is salaried or self-employed. You need to
submit certain documents which are required and demanded by the branch.
For
knowing you are eligible for this card you need to reach the nearest SBI
branch. The SBI officer will check your income, CIBIL score etc. and then issue
you a credit card.
Also Read: SBI BPCL Octane Credit Card Benefits & Charges – Review
What are the
documents required for SBI IRCTC Platinum Credit Card?
Following
are some common documents which are demanded when you are applying for credit
card:
|
Identity
Proof |
PAN card, Aadhar
Card, Passport, Voter ID etc. (Any one) |
|
Address
Proof |
Aadhar card, Passport, Electricity Bill etc.
(Any one) |
|
Income
Proof |
ITR,
Form 16, Salary slips, Bank statements etc. (as demanded by bank) |
Branch
may demand additional documents if they are required.
How to apply for SBI IRCTC Platinum credit card (online/ offline)?
You
can apply for this card online as well as offline. If you want to apply online
then you can visit SBI official website and apply on it.
Otherwise
you can also approach the nearest SBI branch and enquire for the same. They
will check your eligibility and demand certain documents. After filling the
application form they provide you with a credit card.
Also Read: SBI Landmark Credit Card (Prime, Select & Base Variant) - Review
Summary
SBI
IRCTC Platinum Credit Card is very easy and convenient to use. It provides
various reward points benefits over limits. Moreover, discount on ticket
bookings as travel benefits makes this card more attractive to buy. There are
also some nominal charges for issuance of this card.