Railway SBI Platinum Card | Eligibility | documents | features | Information
The Railway SBI Platinum Card is an internationally valid Co-branded credit card brought to you by SBI Card, India’s leading credit card issuer and Indian Railways through its subsidiary, IRCTC (Indian Railway Catering and Tourism Corporation Limited). The Card, especially designed by renowned cartoonist R K Laxman, has been specially created for you, keeping in mind your discerning needs and tastes in travel and lifestyle. The card brings you a fine blend of Pure benefits and privileges, including 10% Value back on your AC ticket fare (except 3 AC) as Railway Points, complimentary membership to the Shubh Yatra-Scheme for Frequent Travellers (SOFT) , incremental points on spends, transaction fee waiver on railway ticket booking ,unique offers on Travel, golf, dining & other entertainment options and much more.
Welcome Offers
Rs. 100 off on Cash Withdrawal – Get Rs 100 Cash back on your first ATM Cash withdrawl within 30 days of receiving the card.
Bonus Railway Points
Apply now and earn 350 Activation Bonus Railway Points on a spend of Rs 500 or more within 45 days of card issuance.
Exclusive Value Back Benefits
• Upto 10% Value Back on AC1,AC2,CC booking as Railway Points for your ticket purchases at www.irctc.co.in through your complimentary membership to Subh Yatra Scheme for Frequent Travellers(SOFT)
• 3x Railway Points for every Rs 125 spend at departmental and grocery stores
• 1 Railway Point for every Rs 125 spent on other retail purchases including Railway ticket purchases at www.irctc.co.in
• Redeem all your Railway Points on www.irctc.co.in against railway ticket purchase(s)
Features & Benefits:
Worldwide Acceptance
Your Railway SBI Platinum Card is a travel card and can be used in over 29 million outlets across the globe, including 3, 25,000 outlets in India. Just look for the VISA sign of acceptance and present your card for payment.
0% Fuel Surcharge
Your Railway SBI Platinum Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your SBI Visa Credit Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purchase fuel for amounts between Rs. 500 and Rs. 3000 every time per transaction to avail this offer. Maximum Surcharge waiver of Rs. 100 per month per credit card account.
Cash on the Go
As an Railway SBI Platinum Card holder, you can withdraw cash from over 1.2 million VISA ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India.
Guaranteed Peace of Mind
Railway SBI Platinum Card automatically gives you complete peace of mind with our Railway SBI Platinum Card Customer Helpline and 24-hr VISA (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.
Utility Bill Payment Facility
With the Easy Bill Pay facility from Railway SBI Platinum Card you can pay bills online and be rest assured you will never ever forget paying your utility bills on time. All your utility bill payments like electricity, insurance, telephone will get paid before the due date with this facility from Railway SBI Platinum Card. This service comes to you absolutely free! Peace of Mind & Reward Points Guaranteed! (Refer www.sbicard.com for details)
Enhanced Power to your Family
You can share the power of your Railway SBI Platinum Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents.
Balance Transfer on low interest rates
You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your Railway SBI Platinum Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest. Processing Fee would be charged as applicable.
Flexipay
Flexipay, the easy installment plan from Railway SBI Platinum Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this on a simple phone call within 10 days of your purchase. Call the Helpline for details now!
Teledraft Facility (Easy Money Draft)
Now you can order a bank draft any time by just making a local phone call to the Railway SBI Platinum Card Customer Helpline. The amount of the draft will be billed directly to your Railway SBI Platinum Card. You’ll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the Railway SBI Platinum Card helpline.
Credit Facility
Your Railway SBI Platinum Card offers great flexibility of payment. With the extended credit option, you can plan your payments against your outstanding. You can pay any amount from the minimum amount due to the total amount due outstanding as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.
Book your Railway Tickets Online
Railway SBI Platinum Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your Railway SBI Platinum Card.
All you need to do is:
1. Register free of cost on www.irctc.co.in
2. Log-in with your username and password on www.irctc.co.in
3. Book your ticket as per instructions on the website.
4. Make payment through your Railway SBI Platinum Card on the website through either of the two payment gateways which accept all VISA Cards.
Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in
Convenience of Technology
E-statement
No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24-hr, seven days a week.
SBI Card Alerts
SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe visit us at www.sbicard.com or call your local Railway SBI Platinum Card Customer Helpline.
SBI Card Online
SBI Card Online is the one place where you can virtually manage your Railway SBI Platinum Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM or CashPoint and winning exciting prizes on our special offers. It’s all now click away. To get started, log on to www.sbicard.com and take advantage of these benefits.
0% Transaction Charges on tickets booked at irctc.co.in
Pay zero transaction charges and Save 1.8% transaction charges every time you book your railway tickets on irctc.co.in with your Railway SBI Platinum Card.
Complimentary Personal Rail Accident Insurance of Rs. 10 Lac
Railway SBI Platinum Card is a travel card and provides a complimentary personal rail accident insurance of Rs. 10 lac in the event of loss of life resulting from a train accident while travelling on a valid train ticket purchased using your Railway SBI Platinum Card. Complimentary insurance is valid only post payment of card fee.
ICICI Lombard Healthcare
ICICI Bank Tower
8th Floor Plot No 12,
Financial District, NanakamGuda
Gochibowli, Hyderabad
Andhra Pradesh-500032
Toll free No: 1800-2666
E-Claim Notification :heathcare@icicilombard.com
Fees & Charges:
Fees
| Joining Fee (one time) | |
| For Subh Yatra Member | NIL |
| For Non Subh Yatra Member | Rs. 500 |
| Annual Fee (p.a)- 2nd Year Onwards | Rs. 300 |
| Add on Card Fee(p.a.) | NIL |
Extended Credit
| Interest Free Credit Period | 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Finance Charges# | Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Minimum Amount due | 5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax |
Cash Advance
| Cash Advance Limit | Upto 80% of Credit Limit (Max. 12,000/day for Gold/ Titanium & 15,000/day for Platinum Cards) |
| Free Credit Period | NIL |
| Finance Charges# | Upto 3.35% p.m.(40.2% p.a.) from the transaction date |
Cash Advance Fees
| SBI ATMs/Other Domestic ATMs | 2.5% of withdrawal amount or 300/- (Whichever is higher) per transaction |
| International ATMs | 3% of withdrawal amount or 300/- (Whichever is higher) per transaction |
Other Charges & Fees
| Protection Plus Insurance Scheme* | Personal Accident ( Insurer RSA) – Rs. 24 p.m. Suraksha Plus ( Insurer SBI Life) – 0.1% of Total Outstanding |
| Cheque Pickup | Rs 90/- |
| Cheque Bounce/Invalid Cheque | 2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500). |
| Statement Retrieval | Rs. 100 per Statement (> 2 months old) |
| Chargeslip Retrieval | Rs. 225 per Chargeslip |
| Late Payment | NIL for Total Amount due upto Rs.200; Rs.100 for Total Amount due from Rs.201-Rs.500; Rs.200 for Total Amount due from Rs.501-Rs.1000; Rs.350 for Total Amount due from Rs.1001-Rs.5000; Rs.550 for Total Amount due from Rs.5001-Rs.10,000; Rs.750 for Total Amount due above Rs.10,001; |
| Overlimit | 2.5% of Overlimit Amount (Min. Rs. 500) |
| Card Replacement | Rs. 100 |
| Emergency Card Replacement (When Abroad) | Actual Cost (Min. $175) |
| Foreign Currency Transaction | Conversion mark up: 3.5% |
| Card Upgrade Fee | Upto Rs. 500 |
Surcharge
| Railway Tickets – Railway Counters | Rs. 30 + 2.5% of transaction amount |
| Railway Tickets** – www.irctc.co.in | 0% of transaction amount |
| Petrol & all products/services sold at petrol pumps | 0% surcharge for single transaction spend between Rs. 500 & Rs. 4,000 ; Maximum surcharge waiver of Rs. 250 p.m. per credit card account 2.5% of transaction amount (Min. Rs. 10) for transaction amounts < Rs. 500 & > Rs. 4,000 |
| Payment of Customs duty | 2.25% of transaction amount (Min. of Rs. 75) |
