India’s legendary bank, the State Bank of India (SBI), has garnered market attention because of their diverse cards, like SBI BPCL Credit Card, Central SBI Credit Card, SBI ELITE Card, FBB SBI STYLEUP Card, etc. Aiming to meet the need for travel and adventure, they have recently launched the IRCTC SBI RuPay card in association with the Indian Railway Catering and Tourism Corporation. Aside from the usual benefits, the IRCTC SBI RuPay card has been specially curated for regular railway travelers.
To make the IRCTC SBI Card (on RuPay platform) easily accessible, SBI has set easy-to-meet eligibility criteria along with minimum documentation requirements.
Below are the basic eligibility criteria you must fulfill to apply for this credit card and the documents you must furnish at the time of application.
Age: You must be between 21 and 70 years old.
Employment Status: You must be a salaried employee or self-employed.
Credit Score: To apply for this credit card, you must have a good credit score.
Identity Proof: You must provide a copy of any of the following documents:
Aadhaar Card
Voter ID
Passport
Driving License
Ration Card
Address Proof: You must submit a copy of any of these documents:
Aadhaar Card
Passport
Utility bills
Voter ID
Ration Card
Income Proof: You must also provide proof of income. These documents can include:
Salary slips of the previous 6 months
Copy of your recent ITR
Bank statement of the last 3 months
If you meet the basic eligibility criteria, you can easily apply for this SBI credit card in the following manner.
Step 1: Head to the Bajaj Markets website.
Step 2: Provide basic information about yourself.
Step 3: Choose the IRCTC SBI RuPay card from the list of credit card options.
Step 4: Fill out the application form and provide your personal and professional details.
Step 5: Submit the application form to complete the process.
If you have any queries or complaints, you can talk to the SBI customer care representatives. You can either call the customer care helpline number, send an email, or send an SMS.
Phone: You can call the IRCTC SBI RuPay card customer care number by dialing 1860 180 1290 or 1800 180 1290 (toll-free).
SMS: Alternatively, you can type your query and send an SMS to 5676791 from your registered phone number.
Email: You can also send an email to customercare@sbicard.com and a customer care representative will respond to your query.
Fee/Charge |
Amount/Rate |
Fee Payable while Joining |
₹500 + applicable taxes |
Fee Payable while Renewing |
₹300 |
Add-on Fee (per annum) |
Nil |
Finance Charges |
3.50% per month or 42% per annum |
Cash Advance Limit |
Up to 80% of credit limit, capped at ₹12,000 per day |
Cash Advance Charges |
Up to 2.5% per month or ₹500, whichever is higher |
Cash Advance Fee while Withdrawing from SBI or Other Domestic ATMs |
2.5% of the amount, starting at ₹500 |
Charges for Over Limit Transactions |
2.5% of amount, starting at ₹500 |
Late Payment Fee |
|
Fee for Replacing Card |
₹100 |
Minimum Monthly Amount Due |
5% of total outstanding amount or ₹200 (plus taxes), whichever is higher |
Any government-authorized proof of income and residence are acceptable for availing the IRCTC RuPay credit card. Additionally, you will require authorized bank statements to demonstrate your income.
The credit limit on each IRCTC RuPay credit card can be different, but you will be issued a credit limit depending on your credit profile.
The customer care number for the IRCTC SBI RuPay card is 1860 180 1290.
The IRCTC SBI RuPay card is best suited for individuals who frequently travel on the Indian Railways.
Yes, the IRCTC SBI RuPay card is accepted globally and can be used at any POS/ATM that accepts Diners Plus, Pulse, and Discover cards.
The RuPay payment network includes offers on golf, dining, travel, and other entertainment areas.
For your immediate family members, you can get add-on credit cards with your IRCTC RuPay credit card.