Credit Cards Disadvantages

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Credit cards are a highly effective to manage one’s finances and make purchases. Moreover, they offer a range of benefits in the form of rewards and special offers. Time to time credit card has helped individual go for shopping and pay in instalments if they cannot make the payment in one go. And now supporting the initiative of cashless economy, the use of credit cards amount the individuals have increased tremendously.

Almost all the public sector as well as private sector banks offer different categories of credit card to its customers. However, it is the State Bank of India which has an edge over all other banks when it comes to serving their customers with their exclusive banking products and services including credit cards. The SBI IRCTC …show more content…

The card provides a complimentary personal rail accident insurance of Rs. 10 lakh in the event of loss of life resulting from a train accident while travelling. This is valid only on train ticket purchased using your Railway SBI Platinum Card. Complimentary insurance is valid only post payment of card fee.

Global acceptance: The State Bank of India platinum card is exclusively a travel card with world wide acceptance. This travel card 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 anywhere you travel and avail the attractive benefits and offers offered by the card.

Zero percent fuel surcharge: This railway platinum card from SBI provides the advantage and convenience of a fuel surcharge waiver. The users have to simply use your SBI Visa Credit Card to buy petrol, diesel and lubricants at all petrol pumps outlets across the world and the cardholders 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 is valid with this …show more content…

The users have the option to withdraw cash from over 1.2 million VISA ATMs 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 itself.

Utility bill payment facility: With the Easy Bill Pay facility from IRCTC SBI Platinum Card users can pay their bills online and be rest assured that they will never ever forget paying your utility bills on time as they will get frequent reminder on their registered mobile number. All the utility bill payments like electricity, insurance, telephone will get paid before the due date with this facility from SBI IRCTC Platinum credit Card.

Avail IRCTC travel offers: IRCTC offers some of the most exciting package deals for the users of SBI IRCTC credit card holder with exceptional privileges and travel packages. Booking railway tickets no longer remains a difficulty, as this platinum card from SBI is there for easy and convenient online bookings options to its users. Cardholders can choose from over 5000 hotels across more than 350 cities in the country while making the reservation. SBI IRCTC credit card users can get custom made tour packages inclusive of leisure tours, adventure tours, wildlife gateways and pilgrimage packages for individual travellers and

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