Many people in India have SBI Credit Cards and they use them for shopping, enjoying access to the airport lounges, and making many other transactions. But if you are looking for a Railway Credit Card then SBI IRCTC Premier Credit Card would be the best option. This credit card gives you free access to the railway lounges in India. You can relax in the comfortable lounges and enjoy breakfast, dinner, or lunch. On the other hand, there are many SBI Credit Cards among which this card has a lot of features that save some bucks if you prefer to travel by train. You must explore the features and benefits of the SBI IRCTC Credit Card and see how much you can save if you apply for this card.
Benefits of SBI IRCTC Credit Card
- Enjoy 8 Free Access to the Railway Lounge Every Year through this credit card.
- A maximum of 2 Railway Lounge Access are allowed per quarter.
- Get rid of the IRCTC charges by 1.8% on booking the Rail Tickets from IRCTC.
- Get rid of the IRCTC charges by 1.8% while booking Air Tickets.
- Have a Welcome Bonus of 1500 Reward Points once the payment of the joining fee has been made.
- Earn a BookMyShow voucher worth ₹500 after spending ₹2000 within 60 days.
- Get 10% Value Back as Reward Points on booking the AC1, AC2, AC3, AC, and CC tickets from IRCTC Website.
- Grab 5 Reward Points per ₹100 on the Air IRCTC Website.
- Grab 5 Reward Points per ₹100 done on the IRCTC E-Catering Service Website.
- Earn 3 Reward Points per ₹125 on dining through this card.
- Earn 1 Reward Point per ₹125 on any other transaction.
- Spend ₹50000 in a year and earn 2500 reward points.
- Spend ₹1 lakh in a year and get 5000 Reward Points.
- Waive off the Renewal Fee by spending ₹2 lacs in a year.
- Have an Insurance Cover of ₹10 lacs in case of a rail accident.
- Get Air Accident Insurance cover of ₹50 Lacs.
- Enjoy Fraud Liability Coverage of ₹1 Lac.
- Enjoy a Fuel Surcharge Discount of 1% at all the refilling stations with a maximum of ₹250 every month.
Railway Lounges List
- Delhi- Platform No.16, New Station Building, Ajmeri Gate side, New Delhi Railway Station, New Delhi – 110006
- Jaipur- Platform No.1, Near 1st Class Waiting Room at Jaipur Jn Railway Station, Rajasthan – 303702
- Agra- Platform No.1 at Agra Cantt, Near Second Class Waiting Room, Agra, Uttar Pradesh – 282001
- Ahmedabad- Platform No.1, Ahmedabad Railway Station, Gujarat – 380002
- Madurai- Madurai Railway Junction, Railway Junction Road, Madurai Main, Madurai, Tamil Nadu – 625001
SBI IRCTC Credit Card Details
You can use this card to enjoy access to the exclusive railway lounges in India. But before you apply for this credit card, you must check the fees and other charges of this credit card.
- Joining Fee- ₹1499 + Applicable Taxes
- Renewal Fee- ₹1499 + Applicable Taxes
- Add-on Card Fee- NIL
- Interest-Free Period- 20 Days to 50 Days
- Credit Card Interest Rate- 3.35% per month
- Cash Advan Limit- Up to 80% of the Credit Limit with a maximum of ₹12000 per day.
- The Cheque Pickup Fee and Cheque Payment Fee are ₹100 each.
- Cheque Dishonoured Fee is 2% of the Amount with a minimum of ₹450.
Conclusion
So, you have seen that the SBI IRCTC Premier Credit Card can be used for railway lounge access. It is one of the best credit cards for Railway Lounge Access in India that has a lot of benefits. You can also make railway ticket bookings through this card and grab some reward points from them. On the other hand, this card gives you the opportunity to earn thousands of rewards points and you can redeem them at the reward point redemption website.
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