IRCTC SBI Card on RuPay Platform vs BOI International Credit Card
Joining Fees
₹500
₹1,500
Editor's Rating
3.9
4.1
Key Features
- Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
- Avail 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases on irctc.co.in and IRCTC Mobile App
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Enjoy the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Get accommodation at over 5,000 hotels, covering 350 cities in India
- 1% fuel surcharge across all petrol pumps in India on transactions between Rs. 500 and Rs. 3,000
- IRCTC SBI Card (on RuPay platform) provided great offers on travel, golf, dining and other entertainment options from RuPay
- 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
- Withdraw cash from over 2 plus million global ATMs in 190 countries/territories, including over 43,000 SBI ATMs in India
- Transfer outstanding balance of other bank’s credit card to IRCTC SBI Card (on RuPay platform) to avail a lower rate of interest and pay back in EMIs
- With Flexipay facility, convert transactions in easy monthly installments. Simply transact Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
- Use IRCTC SBI Card (on RuPay platform) to book railway tickets online and get them delivered to you
- Affiliation: Mastercard/Visa/Rupay
- The Card is valid in India, Nepal and all foreign centers across the Globe, wherever MASTER logo is displayed
- Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
- Fuel Transaction Surcharge: 1% of transaction amount
Editor's Review
Pros
- 4 complimentary railway lounge access in a quarter to participating lounges in India
- Bonus Reward Points to be credited to the IRCTC SBI Card (on RuPay platform) account within 45 days of eligible transaction
- Purchase tickets through irctc.co.in and IRCTC Mobile App for AC1, AC2. AC3, Executive Chair car and Chair Car and earn 10% Value Back as Reward points
Cons
- No golf benefits
- No complimentary airport lounge access
Pros
- 1 complimentary lounge visit per quarter at airport lounges in India for Master Platinum International card
- Interest free credit for up to 51 days and revolving credit at preferential rate
- EMI at POS facility is available on POS that are managed/owned by M/S WorldLine Private Limited
- The maximum amount of cash that can be withdrawn from ATM is Rs. 15,000 per day
Cons
- No Golf Privileges
