IRCTC SBI Platinum Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
IRCTC SBI Platinum Card
Bank Name :
State Bank Of India
प्रकार
Travel Credit Card
ब्याज दर
3.50% per month (42% per annum) from the transaction date.
पात्रता
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
पेशेवरों
Welcome Benefit: Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
Reward System: On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%
Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter).
दोष
Low general cashback rate.
No free movie tickets.
No free airport lounges visits.
पक्ष विपक्ष
Welcome Benefits
Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
पुरस्कार प्रणाली
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points.
Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
फ़ायदे
Discount on rail tickets.
Free railway lounge visits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
1. Online: This is the faster and more convenient method:
Visit the SBI Card website: Head to the official SBI Card website.
Navigate to the IRCTC SBI Card Platinum page: Find the "Personal" category and choose "Shopping" as the sub-category.
Click "Apply Now": Look for the prominent "Apply Now" button on the card page.
Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.
Review and submit: Carefully review the application details.
Await decision: You'll receive an instant preliminary decision based on the information provided.
2. Offline: This method involves visiting a SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the IRCTC SBI Card Platinum.
Fill out the application form: A bank representative will assist you with the form and guide you through the process.
Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.
Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.
सम्पर्क करने का विवरण
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
Reward System: On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%
Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter).
Low general cashback rate.
No free movie tickets.
No free airport lounges visits.
Card's main benefit is that it offers 10% discount on AC1, AC2, AC3, executive chair car and chair car. Card otherwise has limited utlity for non-train travelers.
IRCTC SBI Platinum Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Annual Fee (one time): INR 500 + Taxes.
Renewal Fee (per annum): INR 500 + Taxes.
Cash Advance fees: 2.5% or Rs. 500.
Interest Rate: Up to 3.50% per month (42% per annum).
Late Payment charges: 0 to 1300.
Reward Redemption Fees: INR 99/- per redemption.
ईंधन अधिशुक्ल
1% Fuel surcharge waiver for each transaction between INR 500 and INR 4,000. Maximum surcharge waiver of INR 100 per statement cycle, per credit card account.
Billing Cycle
30 days.