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Features of the PNB IRCTC SBI Card Classic
- Accelerated Reward Points on Railway Bookings: One of the card’s flagship features is its reward points program for railway ticket bookings made through the IRCTC website or mobile app. Cardholders can earn up to 10% value back in the form of reward points on bookings for AC1, AC2, AC3, Executive Chair Car, and AC Chair Car tickets. For every Rs. 125 spent on these qualifying bookings, cardholders receive reward points credited to their IRCTC loyalty account. These points can be redeemed at a 1:1 ratio (1 point = Rs. 1) for future train ticket purchases. This feature is particularly valuable for frequent travelers, such as professionals commuting between cities or families planning annual vacations. For example, booking a family trip from Delhi to Mumbai in AC2 could earn significant points, reducing the cost of future journeys. The program encourages digital bookings, aligning with India’s push toward a cashless economy and streamlined railway ticketing.
- Complimentary Railway Lounge Access: The card offers four complimentary railway lounge visits per year, with a maximum of one visit per quarter, at participating lounges across major railway stations in India, such as New Delhi, Mumbai, Chennai, and Kolkata. This feature elevates the travel experience by providing access to air-conditioned lounges equipped with amenities like comfortable seating, refreshments, Wi-Fi, and charging points. For instance, a traveler waiting for a delayed train at New Delhi Railway Station can relax in the IRCTC Executive Lounge, enjoying a complimentary snack and a quiet environment. Access is exclusive to primary cardholders and requires presenting the PNB IRCTC SBI Card Classic and a valid train ticket.
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- Transaction Charge Waiver on IRCTC Bookings: Cardholders benefit from a 1% waiver on transaction charges (excluding GST and other applicable fees) when booking railway tickets on the IRCTC website. This waiver is credited monthly based on the updated Merchant ID/Terminal ID list and applies only to direct bookings on, not partner websites. For example, a Rs. 5,000 ticket booking would save Rs. 50 per transaction, which adds up for frequent travelers booking multiple tickets monthly. This feature reduces the overall cost of train travel, making the card an economical choice for regular IRCTC users. It’s particularly beneficial for families or groups, as the waiver applies to the total booking amount, including co-travelers’ fares.
- Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, with a maximum waiver of Rs. 100 per statement cycle per credit card account (excluding GST and other charges). For instance, refueling a car for Rs. 2,000 would save Rs. 20 per transaction, up to the monthly cap. This feature is valuable for cardholders who drive frequently, such as professionals commuting to work or travelers embarking on road trips before or after train journeys. The waiver applies nationwide, ensuring accessibility for urban and rural cardholders alike. It complements the card’s travel focus by addressing a common expense associated with mobility.
- Contactless Payment Technology: Equipped with contactless payment technology, the card allows cardholders to make quick and secure transactions by waving it at a secure reader. In India, contactless payments are capped at Rs. 5,000 per transaction without requiring a PIN, making it ideal for small-ticket purchases at railway station counters, cafes, or retail stores. For example, buying a coffee at a station kiosk or paying for a quick meal becomes faster and more convenient. The contactless feature aligns with modern payment trends, reducing the need for cash or physical card swipes, which is especially useful in busy travel environments where speed is essential.
- Global Acceptance: Powered by either Visa or RuPay (depending on the variant), the PNB IRCTC SBI Card Classic is accepted at over 29 million Visa outlets worldwide and 3.25 lakh outlets in India, as well as equivalent RuPay network terminals. Cardholders can also withdraw cash from over 1 million Visa ATMs globally, including 18,000 Visa ATMs and 10,000 SBI ATMs in India. This global acceptance makes the card a versatile travel companion, suitable for international trips or domestic purchases. For instance, a cardholder traveling to Singapore can use the card at local merchants or ATMs, ensuring seamless financial access. The RuPay variant also supports UPI payments, enhancing its utility in India’s digital payment ecosystem.
- Add-On Cards for Family Members: The card allows primary cardholders to apply for add-on cards for family members above 18 years, such as spouses, parents, siblings, or children. Add-on cardholders can earn reward points, access contactless payments, and enjoy global acceptance, with all transactions consolidated under the primary cardholder’s account. This feature is ideal for families who travel together or share expenses. For example, a spouse using an add-on card to book railway tickets can contribute to the primary cardholder’s reward points, maximizing savings. The shared credit limit ensures controlled spending, making it a practical option for family financial management.
- Easy Bill Pay Facility: The Easy Bill Pay facility enables cardholders to automate payments for utility bills, such as electricity, telephone, mobile, and insurance premiums. This feature ensures timely payments, avoiding late fees and maintaining a good credit score. For instance, a cardholder can set up automatic payments for their monthly electricity bill, freeing up time during busy travel schedules. The facility is accessible through the SBI Card website or mobile app, offering a user-friendly interface to manage recurring payments. This convenience is particularly valuable for frequent travelers who may struggle to track bill due dates.
- Balance Transfer on EMI: The card offers a balance transfer facility, allowing cardholders to transfer outstanding balances from other credit cards to the PNB IRCTC SBI Card Classic at a lower interest rate, repayable in EMIs. For example, transferring a Rs. 50,000 balance from a high-interest card can reduce monthly interest costs and provide a structured repayment plan. This feature is ideal for cardholders looking to consolidate debt or manage large expenses more effectively, offering financial flexibility during travel-heavy months or unexpected expenses.
- Flexipay Option: With the Flexipay option, cardholders can convert transactions of Rs. 2,500 or more into EMIs within 30 days of purchase. This feature is useful for high-value purchases, such as booking a family vacation or buying electronics for travel. For instance, a Rs. 10,000 train ticket purchase can be split into 6-month EMIs, making it more affordable. Cardholders can choose tenures ranging from 3 to 24 months, depending on their repayment capacity, enhancing financial planning and affordability.
- Reward Points on Non-Fuel Retail Purchases: In addition to railway-specific rewards, the card offers 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including dining, shopping, and travel (excluding fuel). While the reward rate is modest, it encourages regular use of the card for everyday expenses. For example, spending Rs. 5,000 on dining or shopping earns 40 reward points, which can be redeemed for railway tickets. This feature adds incremental value for cardholders who use the card across multiple spending categories.
- Welcome Bonus Reward Points: New cardholders receive 350 bonus reward points (worth Rs. 350) by making a single transaction of Rs. 500 or more within 45 days of card issuance, excluding fuel and cash transactions. These points are credited within 45 days of the eligible transaction, providing an immediate benefit. For example, a cardholder purchasing a Rs. 500 train ticket upon receiving the card earns the bonus, kickstarting their reward accumulation. This feature incentivizes early card usage and enhances its initial value.
- Milestone Benefits: The card offers 500 reward points upon payment of the renewal fee (Rs. 300 + GST), rewarding cardholders for continued usage. These points, worth Rs. 500, offset the renewal fee and provide additional value for loyal users. For instance, a cardholder renewing their card annually can use these points to book a short-distance train ticket, making the card cost-effective over time.
- IRCTC Loyalty Account Integration: The card includes an 11-digit loyalty number embossed on the card, which must be linked to the cardholder’s IRCTC login ID to redeem reward points. This integration ensures seamless access to rewards, allowing cardholders to use points directly for railway ticket bookings on the IRCTC website or mobile app (Android only). For example, a cardholder with 1,000 points can redeem them to offset a Rs. 1,000 ticket cost, simplifying the booking process. The linkage process is straightforward, requiring a one-time setup on the IRCTC platform.
- Travel Packages and Offers: Cardholders gain access to exclusive travel privileges through the IRCTC platform, including tailored packages for adventure, wildlife, pilgrimage, and leisure tours across India. For instance, a cardholder can book a pilgrimage tour to Varanasi or a wildlife tour to Jim Corbett National Park at discounted rates. Additionally, the card offers accommodation booking at over 5,000 hotels in 350 cities, enhancing its utility for comprehensive travel planning. These offers make the card a one-stop solution for railway and vacation needs.
- Cash Withdrawal Facility: The card allows cash withdrawals from over 2 million ATMs globally, including 43,000 SBI ATMs in India. Cardholders also earn Rs. 100 cashback on their first ATM withdrawal within 30 days of card issuance. For example, withdrawing Rs. 5,000 at an SBI ATM during a trip earns the cashback, offsetting the transaction fee. This feature provides financial flexibility for travelers needing cash for incidental expenses like taxis or meals.
- Contactless Advantage for Small Transactions: The contactless feature eliminates the need for physical card swipes or cash for small-ticket purchases, enhancing convenience and security. For instance, paying for a snack at a railway station vendor becomes faster and safer with a quick wave of the card. The feature is particularly useful in high-traffic environments where minimizing contact is a priority.
- UPI Integration for RuPay Variant: The RuPay variant supports UPI payments by linking the card to third-party apps like BHIM, PhonePe, or Google Pay. This allows cardholders to make seamless digital payments for everyday expenses, such as groceries or utility bills. For example, paying a Rs. 1,000 restaurant bill via UPI earns reward points and simplifies the transaction. This feature aligns with India’s growing adoption of UPI, making the card versatile for modern payment needs.
- Secure Transactions: The card incorporates advanced security features, including EMV chip technology and contactless payment encryption, to protect against fraud. For instance, online transactions require OTP verification, ensuring only authorized users can complete purchases. These features provide peace of mind for cardholders booking tickets or shopping at merchant outlets, both domestically and internationally.
- Comprehensive Travel Support: Beyond railway-specific features, the card offers access to SBI Card’s 24/7 customer support, ensuring assistance with card-related queries, lost card reporting, or reward redemption. The combination of travel-focused rewards, lounge access, and global usability makes the card a comprehensive tool for frequent travelers. In summary, the PNB IRCTC SBI Card Classic is packed with features tailored for railway travelers, from accelerated reward points and lounge access to contactless payments and global acceptance. Its versatility and affordability make it an excellent choice for those who frequently book train tickets or seek a travel-friendly credit card.
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- Transaction Charge Waiver: The 1% transaction charge waiver on IRCTC bookings reduces the cost of train travel. For example, a Rs. 3,000 ticket booking saves Rs. 30 per transaction, credited monthly to the cardholder’s account.
- Fuel Surcharge Savings: The 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps reduces fuel costs. For instance, refueling a car for Rs. 2,500 saves Rs. 25 per transaction.
- Welcome Bonus Reward Points: New cardholders receive 350 bonus reward points for a single transaction of Rs. 500 or more within 45 days. This early reward encourages card usage and offers immediate value.
- Milestone Rewards: Upon paying the Rs. 300 + GST renewal fee, cardholders earn 500 reward points, offsetting the fee and rewarding loyalty. These points can be redeemed for tickets, adding value for long-term users.
- Flexible Payment Options: Flexipay lets users convert purchases of Rs. 2,500 or more into EMI with tenures from 3 to 24 months. Balance transfers from other credit cards are also available at lower interest.
- Global Usability: The card is accepted at over 29 million Visa/RuPay outlets worldwide and 3.25 lakh in India. Cash can be withdrawn from over 1 million ATMs globally and 43,000+ SBI ATMs in India.
- Contactless Payment Convenience: Contactless technology allows for tap-and-go purchases up to Rs. 5,000 without PIN entry. This makes payments fast and safe, perfect for quick buys during travel like snacks or local transport.
- Add-On Card Benefits: Add-on cards can be issued to family members above 18 years, allowing shared benefits, reward accumulation, and convenience for families that book and travel together.
- Easy Bill Pay Convenience: The Easy Bill Pay facility automates recurring utility bill payments, helping users avoid missed due dates, especially during travel. It supports payments for electricity, telephone, insurance, and more.
- UPI Payment Integration: The RuPay variant supports UPI via apps like BHIM or Google Pay. Digital payments earn rewards just like card swipes, ensuring benefit continuity across payment platforms.
- Travel Packages and Offers: Exclusive IRCTC travel packages include adventure tours, pilgrimages, and leisure trips. Cardholders can also book discounted accommodation in 350+ cities, enhancing travel planning.
- Cashback on ATM Withdrawals: The card offers Rs. 100 cashback on the first ATM withdrawal made within 30 days of issuance. This offsets transaction fees and benefits travelers who require emergency cash.
- Reward Points on Everyday Spending: Cardholders earn 1 point per Rs. 125 spent on non-fuel purchases like shopping or dining. Points can be redeemed for IRCTC bookings, encouraging consistent usage.
- Secure Transactions: The card includes EMV chip and OTP-based authentication for secure transactions. For instance, all online bookings and high-value transactions are validated with OTP for added security.
- Loyalty Account Integration: The card’s 11-digit loyalty number links with the IRCTC account, enabling reward redemption for train bookings. Redemption is seamless and fully digital.
- Cost-Effective Fee Structure: With an annual fee of Rs. 500 + GST and renewal fee of Rs. 300 + GST, the card is affordable. Welcome bonuses and milestone rewards often offset these charges completely.
- Enhanced Travel Experience: Features like railway lounge access, travel discounts, and reward-backed ticketing streamline travel for regular IRCTC users. It brings airline-style privileges to train travel.
- Long-Term Financial Benefits: Responsible usage—such as on-time bill payment and low credit utilization—helps improve your credit score. Better scores unlock premium cards and higher credit limits in the future.
