SBI IRCTC Premier Credit Card

Welcome Benefits

On paying the joining fee, get 1,500 reward points.

Value back Benefits

10% value back on booking train tickets for AC1, AC2, AC3, AC CC as reward points from IRCTC.

Reward point Benefits

3 reward points for every Rs.125 spent on dining and utility bill payments.

Milestone Benefits

1. On annual travel spends of Rs.50,000, get 2,500 reward points.
2. Get 5,000 reward points on annual travel spends of Rs.1 lakh.
3. Annual fee of Rs.1,499 reversed on spending Rs.2 lakh in a year.

Insurance Benefits

1. Complimentary rail accident insurance of Rs.10 lakh.
2. Complimentary air travel accident insurance of Rs.50 lakh.
3. Complimentary fraud liability cover of Rs.1 lakh.

IRCTC Benefits

1. 1% transaction charge waived on railway bookings from IRCTC's website.
2. The transaction charge of 1.8% waived for airline ticket bookings from IRCTC.

Fuel Benefits

1. The fuel surcharge of 1% waived off on all fuel purchases.
2. A waiver will be applicable on all transactions ranging between Rs.500 and Rs.4,000.

Travel Benefits

1. 8 complimentary visits in a year to railway lounges across India.
2. 2 visits given per quarter.

VISA Benefits

1. Enjoy a 10% discount on car rentals from Hertz.
2. 35% discount given on car rentals from Avis.
3. With the VISA powered card, avail up to 10,000 reward points plus 25% added reward points on hotel stay from Kaligo.com.

Flexipay

Convert transactions above Rs.2,500 to EMIs with the Flexipay facility.

Easy Money Benefits

Easy Money allows cardholders to avail money from the credit card at any given time.

Annual Fee

Rs.1,499

Renewal Fee

Rs.1,499

Finance Charges

Up to 3.35% monthly

Add-On card fee

Nil

Cash advance fee

1. 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)
2. 2.5% of the amount withdrawn or Rs.500 (International ATMs)

Finance Charges

3.50% per month or 42% per annum

Payment dishonor fee

2% of the payment amount; minimum of Rs.450

Statement request

Rs.100 per statement (more than 2 months old)

Cash payment fee

Rs.250

Late payment

1. From Rs.0 to Rs.500 - Nil
2. More than Rs.500 up to Rs.1,000 - Rs.400
3. More than Rs.1,000 up to Rs.10,000 - Rs.750
4. More than Rs.10,000 up to Rs.25,000 - Rs.950
5. More than Rs.25,000 up to Rs.50,000 - Rs.1,100
6. More than Rs.50,000 - Rs.1,300

Cheque payment fee

Rs.100

Over limit fee

2.5% of the over limit amount; minimum of Rs.600

Rewards redemption fee

Rs.99

Foreign currency transaction

3.50%

Nationality

He or she must be a citizen of India.

Age

The applicant must be at least 18 years old.

Employment status

The primary applicant must be either salaried or self-employed

Credit Score

Applicants having a good credit score will be eligible for the card.

Ration Card

IT Returns

Voter ID

Passport

Form 16

Aadhaar Card

Voter ID

Salary Slip

Driving License

Aadhaar Card

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