SBI railway Credit card for IRCTC

SBI, one of India’s leading Visa card issuers, in association with Indian Railways, offers SBI railway cards which can be quite beneficial for railway travelers. The face of the card has a sketch by famous cartoonist R K Laxman. It is an internationally valid credit card and also a traveler IRCTC loyalty card. This is one of the few exclusive credit card which you can use at IRCTC and earn special benefits, cash back and discounts.  SBI Railway Credit card can also be used as a regular credit card and can be used for regular shopping as well.  You can even apply for it even if you already own a SBI Credit Card.  Here is a mini review about SBI Railway Credit Card.

Exclusive benefits for Railway travelers:
Whenever a booking is made at IRCTC site through this card, the cardholder can earn points. It offers exclusive benefits to frequent railway travelers.  Using the SBI railway card at retail outlets can earn point to you which can be redeemed later. At IOC and BPL petrol pumps, you can save on the transaction fee every time you tank up your car. An SBI railway credit card transaction made at IRCTC website can see you getting a 1.8% transaction charge waiver. The cardholder can earn up to 10% of AC ticket fare as railway points through complimentary membership to Shubh Yatra, which is the Frequent Traveler Programme for Indian Railways.

Additionally, the card holder gets a complimentary personal accident cover of Rs. 10 Lac, if the cause of death is a train accident and his ticket is a valid ticket.

Global benefits:
World wide acceptance, 0% fuel surcharge, utility bill payment facility, online railway booking are some benefits that can be enjoyed through this card. There is an Add- on card facility, through which spouse, children or parents of the card holder can enjoy the benefits of a credit card at a very low annual fee.

Teledraft facility offers lot of convenience and all the card statement can come to an active e mail id. With this card, you can avail the benefits of Flexipay, which is an easy installment plan that lets you buy anything at easy monthly installments. Protection Plus gives complete protection to the cardholder through Personal Accident Cover and Credit Shield.