SBI Railway Card
The SBI Railway Card is an internationally valid 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 SBI Railway Card, especially designed by renowned cartoonist R K Laxman, is a collector's item and packed with exclusive Railway benefits
Exclusive Privileges of SBI Railway Card
Apply now and get 350 bonus SBI Railway Points (1 SBI Railway point = Re. 1) on joining the SBI Railway Card family. These SBI Railway points can be redeemed against Railway tickets.
Get back upto 10%* of AC ticket fare as Railway Points
Get back upto 10% of your AC (except 3 AC) ticket fare as Railway Points through your complimentary membership to Shubh Yatra-Scheme for Frequent Travellers (SOFT) by Indian Railways. Cash-in your Railway Points on irctc.co.in for a free ticket. Earn 1 Railway Point on every Rs. 125 of retail purchases on your SBI Railway Card.
0% Transaction Charges on tickets booked at irctc.co.in
Save 1.8% transaction charges on all online credit card transactions every time you book your railway tickets on irctc.co.in with your SBI Railway Card.
Complementary Personal Rail Accident Insurance of Rs. 10 Lac
SBI Railway Card 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 SBI Railway Card. Complementary insurance valid only post payment of card fee.
Claims Procedure: ICICI Lombard may call for additional documents / information as relevant. For the list of claim documents required for a particular claim and for all correspondence in connection with the claims, please contact.
ICICI Lombard General Insurance Co. Ltd.
Retail Claims Interface
Building No. 11
401, 402 4th Floor,
New Link Road Behind Goregaon Sports Club,
Malad (West )Mumbai : 400064
Toll free No 1800-209-8888
E-Claim Notification to figbaclaims@icicilombard.com
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.
Worldwide Acceptance
Your SBI Railway Card can be used in over 29 million outlets accross 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 SBI Railway Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your SBI 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 purcharge 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 SBI Railway 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) accross the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 10,000 SBI ATMs accross 100 plus cities in India.
Guaranteed Peace of Mind
SBI Railway Card automatically gives you complete peace of mind with our SBI Railway 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 SBI Railway Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance,telephone will get paid before the due date with this facility from SBI Railway 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 SBI Railway 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 SBI Railway 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 SBI Railway 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 SBI Railway Card Customer Helpline. The amount of the draft will be billed directly to your SBI Railway Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the SBI Railway Card helpline.
Credit Facility
Your SBI Railway 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
SBI Railway 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 SBI Railway 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 SBI Railway 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 SBI Railway Card Customer Helpline.
SBI Card Online
SBI Card Online is the one place where you can virtually manage your SBI Railway 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.
SBI Card Drop Box Locator Simply
1. Type "PIN" < space > your 6 digit pin code xxxxxx
2. Send SMS to 56767
3. You will receive the list of drop boxes in your areaYes, it's that simple!
* Premium SMS charges apply
Fees
| 1st year Joining Fee (one time) | Rs. 500 |
| 2nd Year Onwards Renewal Fee (p.a) | Rs. 300 |
| Add on Card Fee(p.a.) | NIL |
| 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 Limit | Upto 80% of Credit Limit |
| Free Credit Period | NIL |
| Finance Charges | Upto 3.35% p.m.(40.2% p.a.) from the transaction date |
| SBI ATMs /Other Domestic ATMs | 2.5% of withdrawal amount or 300/- (WIH) per transaction |
| International ATMs | 3% of withdrawal amount or 300/- (WIH) per transaction |
| Protection Plus Insurance Scheme* | Personal Accident ( Insurer RSA) - Rs. 24 p.m. Suraksha Plus ( Insurer SBI Life) - 0.1% of Total Outstanding Admin Fee - Rs. 20 p.m. |
| 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. 500; Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000; Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000; Rs 500 for Total Amount Due from Rs 5,001 - Rs 10,000;Rs. 700 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 |
| Rewards Redemption Fee | Rs 99/- Plus GST |
| 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. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 500 & Rs. 4,000 Maximum surcharge waiver of Rs. 100 p.m. per credit card account 2.5% of transaction amount (Min. Rs. 10) for transaction amounts < Rs. 500 & > Rs. 3,000 (SBI Platinum Cardholder for transaction amounts < Rs 500 & > Rs 4000). |
| Order of Payment Settlement | Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance. |
Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review.
* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.
Your continued use of the card will be deemed acceptance of these amendments.
# In case of cancellation of any IRCTC online railway ticket, the customer shall be debited 1.8% of the total refund value
SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02
All information in this communication is correct as per August 2009 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com
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