You may need money suddenly anywhere. In such a situation, you have no option other than taking a loan. But if you have a credit card then you can easily arrange money in case of emergency. Today we will give you information about SBI IRCTC RuPay Bank Credit Card. Like how to apply for SBI IRCTC RuPay Bank Credit Card and what are its benefits.
SBI IRCTC RuPay Bank Credit Card
SBI IRCTC RuPay Bank Credit Card is considered to be one of the most trusted credit cards in the country. Which provides credit limit facility of Rs 10 thousand to Rs 10 lakh to its customers. Let us know the important information related to this and the process of applying.
| Joining fee | ₹500 + GST |
| Renewal fee | ₹300 + GST/ Year |
| Credit Limit | 10,000 to ₹10 Lakhs |
Benefits of SBI IRCTC RuPay Credit Card
SBI IRCTC RuPay Bank Credit Card gives rewards to its customers for using the credit card. These rewards are given to all customers on the basis of their usage. Besides, welcome bonus is also given to new customers.
Welcome Benefits Of SBI IRCTC RuPay Credit Card
Get 350 activation bonus Reward Points on first retail spend of ₹500 or more within 45 days of card issuance
Rewards
Get 1 Reward Point for every ₹125 spent on all retail purchases, including railway ticket purchases at www.irctc.co.in
Up to 10% value back as Reward Points on AC Train Ticket Bookings at www.irctc.co.in – AC1, AC2, AC3 and AC CC categories
Travel Rewards
Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (maximum 1 per quarter)
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
Others Benefits
Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions between ₹500 and ₹3000
Contactless technology and Add-on cards
Eligibility Criteria Salaried
- Age Group: 21 – 65 years
- Income Range: ₹25,000+
Documents Required:
- Identity proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, or any other government-approved ID
- Address proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card, or any other government-approved ID
- Income Proof: Salary certificate, Recent salary slip, Employment letter, etc.
Eligibility Criteria Self-employed
- Age Group: 21-70 years
- Income Range: ₹30,000+
Documents Required:
- Identity proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, or any other government-approved ID
- Address proof: Any one of the documents – Telephone bill, Electricity bill, Passport, Ration card, Rental agreement, Aadhaar card, or any other government-approved ID
- Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or balance sheet, etc.
Credit Score should be 730+ & Customer must be an Indian resident
Application Process
Visit the SBI credit card website by clicking on the link shared by your advisor. Keep the following details handy to start the process
- Your PAN card
- Aadhaar card and
- Bank account details
01: Click on ‘Start apply journey’
02: Now, select any card of your choice and click on ‘Apply Now’
03: Enter your personal details such as name, mobile number, tick the terms & conditions checkbox and click on ‘Continue’
04: Enter your professional details such as employment type, office address and click on ‘Continue to Digilocker’
05: Enter your Aadhaar number, Security code(captcha) and click ‘Next’
06: Enter the OTP sent to your mobile number and click on ‘Continue’
07: Your application has been successfully submitted
If your application is approved, the bank executive will contact you in the next 48 hours for verification and completion of KYC
SBI IRCTC RuPay Bank Credit Overview 2024
| Apply Link | Apply Here |
| SBI Bank Credit Card Helpline Number | 1800 180 1290 (toll free) |
| Email Support | nodalofficer@sbicard.com |
| Official Website | Visit |
Note-
- On completion of the due process, the bank will take a final decision on card approval
- Once approved, you will get the credit card within 7 to 15 days of the final decision
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FAQ-
Is complimentary railway lounge access also provided for
add on card members?
No, the complimentary Railway lounge access is only for primary cardholders and not for add-on card members.
What is the foreign currency markup fee on this card?
The foreign currency markup fee on the IRCTC Rupay SBI credit card is 3.5% on all the foreign currency spends.
What is the joining and renewal fee of SBI IRCTC RuPay
Credit Card?
The joining fee is ₹500 + GST and renewal fee is ₹300 + GST/year