Regarding IRCTC sbi rupay credit card

[duft]

I have paid around 65k on Amazon using IRCTC rupay sbi card and i can see around 500 points in sbi mobile app. Is it going to be credited in IRCTC loyalty points? Or I can use it somewhere else cause irctc stupid rule of paying full ticket price with points is quite a pain. I would rather redeem these points somewhere else

 

[RaviAgl]

Firstly, if you don't travel by train a lot, then this irctc card is not for you. Points get transferred to your irctc loyalty account at the end of the billing cycle, if you have already linked the card to your irctc loyalty account. This is a manual process which you need to do.

Secondly, you get a very poor reward rate if you redeem these points elsewhere.

See this post of mine.

Sbi irctc credit card visa variant - information guide

Hello everyone, I decided to write this post as a guide to anyone who would like to make an informed decision when applying for the SBI Irctc Card while comparing it with other SBI Credit Cards. If you already have this card and have linked it to your irctc user account, skip to the below...

www.technofino.in

Thanks!!

 

[duft]

Firstly, if you don't travel by train a lot, then this irctc card is not for you. Points get transferred to your irctc loyalty account at the end of the billing cycle, if you have already linked the card to your irctc loyalty account. This is a manual process which you need to do.

Secondly, you get a very poor reward rate if you redeem these points elsewhere.

See this post of mine.

Sbi irctc credit card visa variant - information guide

Hello everyone, I decided to write this post as a guide to anyone who would like to make an informed decision when applying for the SBI Irctc Card while comparing it with other SBI Credit Cards. If you already have this card and have linked it to your irctc user account, skip to the below...

www.technofino.in

Thanks!!

I am only planning to keep this card for UPI and sbi offers. Rewards is just additional benifit for me here. I was asking if there is any way to use rewards outside of irctc

 

[RaviAgl]

See this page.

https://www.sbicard.com/en/personal/rewards.page

Login using your Credit card details and OTP.

Redeem from there.

Thanks!!

 

[Das.N]

I am only planning to keep this card for UPI and sbi offers. Rewards is just additional benifit for me here. I was asking if there is any way to use rewards outside of irctc

Does this card give instant discounts for Sbi offers?

 

[RaviAgl]

Does this card give instant discounts for Sbi offers?

Though a bit late to reply, but yes you do get benefits of all cashback offers when you use this card.

Only excluded ones are paytm and cashback cards issued by sbi.

 

[dexter_greycells]

I have paid around 65k on Amazon using IRCTC rupay sbi card and i can see around 500 points in sbi mobile app. Is it going to be credited in IRCTC loyalty points? Or I can use it somewhere else cause irctc stupid rule of paying full ticket price with points is quite a pain. I would rather redeem these points somewhere else

This card has also frustrated me so much so that I'll cancel it after a 250 cashback is posted to my account in a couple of months. That said, the T&C clearly said that you can only pay with your points if they cover the entire fare and not partially. You accepted that 'stupid rule' and signed up for the card anyway. So it isn't on them.

On a more constructive note, you can buy IRCTC pts at Rs 1.5 for 1 pt. This only makes sense if you are somewhat short of being able to pay for the fare with the points or you must use the pts as they are nearing expiry. So, say your AC ticket fare is Rs 600 all inclusive and you have only 500 pts. Buy 100 pts at Rs 150 and go ahead with the booking.