SBI Railway Credit Card

SBI among its other partnership cards has come up with an SBI Railway Credit Card. This card has been launched with the help of Indian Railway Catering and Tourism Co-operation (IRCTC). It offers many benefits and profitable features to the customers. Those who are involved in a lot of travelling can apply for this card and reap its benefits. The terms and conditions of the SBI Railway Card must be read beforehand.  

Features and Privileges offered by SBI Railway Card

  1. Welcome Bonanza: At the time of joining, you will be getting free 350 reward points, wherein 1 reward point= Re 1.
  2. Get up to 10% of AC Ticket Fare as points: You can get up to 10% of your AC ticket fare, except 3 AC, in form of reward points. These reward points can be redeemed for a ticket.
  3. 0% Transaction charges for an e-ticket booked on IRCTC
  4. Personal Rail Accident Insurance worth Rs 10,00,000: Insurance cover worth Rs 10 Lac is given to customers travelling on a valid ticket. The offer is valid only after the card fee payment.
  5. World wide acceptance
  6. 0% fuel charges on purchases worth Rs 500- Rs 3000
  7. Cash on the go
  8. Effective customer services
  9. Utility bill payment facility
  10.  Additional card issue facility
  11. Balance transfer
  12. Easy instalment plan
  13. Tele-draft facility
  14. Credit facility
  15. E-ticketing with peace of mind
  16. E-statement facility
  17. SBI Card Alerts
  18. Know your drop-box location
  19. E-payment facility

For details of points number 6-19, refer to the article “SBI Gold Card”.

 Fees and Charges of SBI Railway card

  • Joining Fee: Up to Rs 5000 (one time)
  • Annual Fee: Upto Rs 1500 per annum
  • Add on fee: Upto Rs 500
  • Interest free credit period: 20-50 days
  • Finance Charges on extended credit period: Up to 3.35% per month
  • Minimum amount due: 5% of the total outstanding amount or a minimum of Rs 200 + government taxes
  • Cash Advance limit: Up to 80% of the credit limit
  • Free Credit period: Nil
  • Finance charges on cash advance: Up to 3.35% per month
  • Cash Advance fee: 2.5% or a min. of Rs 275 on SBI and other ATMs, 3% on international ATMs
  • ATM decline fee: Rs 20
  • Personal accident protection: Rs 24 per month
  • Credit Sheild: 0.1% of total outstanding
  • Admin fee: Rs 20 per month
  • Cheque pick up: Rs 90
  • Cheque Bounce: 2% of cheque amount or a minimum of Rs 300 and a maximum of Rs 500
  • Statement retrieval: Rs 100 per statement, less than 3 months old
  • Chargeslip retrieval: Rs 125 per chargeslip
  • Late payment: Rs 100 for bills of Rs 501-Rs1000, Rs 350 for Rs 1001-Rs10000, Rs 600 for Rs 10001-Rs25000, Rs 700 for bills above Rs 25000
  • Overlimit: 2.5% of the overlimit amount or a minimum of Rs 500
  • Card Replacement: Rs 100 (domestic), actual cost or min $ 175 (when abroad)
  • Foreign Currency Transaction: Conversion mark up-3.5%
  • Card Upgrade fee: Up to Rs 500
  • Railway tickets (counters): Rs30+2.5% of transaction amount
  • E-tickets: 1.8% of transaction amount + service charges
  • Fuel surcharge: 0% for Rs 500- Rs 3000
  • Customs Duty: 2.25% of transaction amount + min of Rs 75
  • SBI CRaOrder of payment settlement: Min amount due

SBI Cards Helpline

For any assistance regarding the card there is a 24 hour helpline number for the customers

1800-180-1290 (toll free from MTNL/BSNL landline) and 39020202 (prefix the STD Code of your city, if calling from a mobile phone).

Website: http://www.sbicard.com/

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