India is heading towards a cashless economy, and thus the use of Credit Cards have been rampant in the past few years. Owing to the changing trends, SBI Cards, which is the second-largest cards issuer in the country has rolled out a wide array of Credit Cards to cater to customers from all walks of life.
IRCTC SBI Platinum Card is an SBI Railway Card and by far one of the most sought after Credit Cards by SBI Cards. It is essentially a Co-Branded Credit Card offered by SBI in conjunction with the subsidiary of Indian Railways – IRCTC. Designed by the iconic cartoonist of India R K Laxman, this card comes with a wide array of benefits including –
This IRCTC and SBI co-branded card also offers multiple facilities, including but not limited to-
Given that SBI Railway Credit Card accrues minimal interest, you can now transfer balances from their other credit cards to this SBI Railway Card and pay off your debt in a cost-effective manner.
However, you would be required to pay a processing fee with respect to the transfer.
IRCTC SBI Railway Card offers Flexipay facility which can be used to enjoy your dream vacation or fulfil any other financial obligations that may come your way without any worry. Through this facility, you convert your purchases into easy instalments.
If you want to share the benefits of your SBI Railway Card with any of your family members aged 18 and above, you can apply for an Add-On Card, at a nominal fannual fee of Rs. 250 only.
Below mentioned are the costs associated with your IRCTC SBI Platinum Card-
|Amount Due||Late Payment Fee|
Less than Rs. 200
Rs. 201 to Rs. 500
Rs. 501 to Rs. 1,000
Rs. 1,001 to Rs. 10,000
Rs. 10,001 and more
SBI Cards offer all types of SBI Credit Cards such as shopping, travel, lifestyle, rewards, etc. Let us take a quick look at some of the most popular SBI Credit Cards that are currently ruling the marketplace. Besides enjoying the available travel booking benefits of SBI Railway Card, you can club your card with any of the following cards for your day-to-day expenses. This way, you can make most of the available benefits of the Credit Card.
SBI SimplySAVE Credit Card comes with an annual fee of Rs. 499. It is essentially designed to serve salaried individuals and comes with multiple benefits, including:
As the name suggests, SBI SimplyCLICK Credit Card is designed for patrons who heavily rely on online shopping. Some of the prominent features of this card are –
SBI ELITE Credit Card is designed for people who have a high inclination towards lifestyle expenditure. Offered at a comparatively high annual fee of Rs. 4,999, the card offers multiple benefits including –
Offered at an annual fee of Rs. 2,999 SBI Prime Credit Card is designed to cater to the needs of people with medium to high spending necessities. Some of the prominent benefits of this card include–
As you now know about various types of Credit Cards, wait no more before you avail a card that best suits your spending behaviour, and make the most of this credit instrument!
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