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Devaluation Smartbuy 5% Cashback on train booking is gone ,Is there any other alternative ?

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Daunt said:
'UPTO' 10% that too in base fare for AC coaches. In peak seasons it offers 4% and only for card holder. Not family. Not friends. Go only if you're solo traveller.
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Yeah. If you are travelling with a family of four in peak times your return will be a little less than 1% with the SBI IRCTC Platinum after including all IRCTC inconvenience fees.

Suddenly we have a use case for Standard Chartered Smart card. Use it to get flat 2% off.
 
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Since when it's implemented because I have done IRCTC transactions for more than 25k in October month only. While I got 5% CB in statement but it really isn't 5% CB. The calculation just isn't matching.

Also, now IRCTC is not showing in Smartbuy at all. I wonder what I will do now as I have fixed monthly expenditure on IRCTC.

HDFC won't give IRCTC card (tried very hard).

Have applied for SBI IRCTC premier card but it's more than 1.5 month with no update.
 
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rogerthat said:
Yeah. If you are travelling with a family of four in peak times your return will be a little less than 1% with the SBI IRCTC Platinum after including all IRCTC inconvenience fees.

Suddenly we have a use case for Standard Chartered Smart card. Use it to get flat 2% off.
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I have SC smart credit card but to get 2%, 1.8% for CC is also charged by IRCTC. So basically nothing is gained.
 
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dassh said:
Since when it's implemented because I have done IRCTC transactions for more than 25k in October month only. While I got 5% CB in statement but it really isn't 5% CB. The calculation just isn't matching.

Also, now IRCTC is not showing in Smartbuy at all. I wonder what I will do now as I have fixed monthly expenditure on IRCTC.

HDFC won't give IRCTC card (tried very hard).

Have applied for SBI IRCTC premier card but it's more than 1.5 month with no update.
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Bob also has irctc card, though no practical experience with bob. Not to disappoint you but from this year SBI card should not take this much time, cards are approved in a week.
 
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dassh said:
Since when it's implemented because I have done IRCTC transactions for more than 25k in October month only. While I got 5% CB in statement but it really isn't 5% CB. The calculation just isn't matching.

Also, now IRCTC is not showing in Smartbuy at all. I wonder what I will do now as I have fixed monthly expenditure on IRCTC.

HDFC won't give IRCTC card (tried very hard).

Have applied for SBI IRCTC premier card but it's more than 1.5 month with no update.
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My last transaction was on Oct 30th for which I received 5%cb ,so this has started since November 1st itself.
 
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As someone who has had an SBI IRCTC Platinum CC for nearly 6 years I highly recommend against it unless the card is in your name and you travel solo multiple times a year. The card rewards regular reward points for co-passengers (1 pt / Rs 125) and the integration between SBI and IRCTC often breaks leaving you with missing points or points that cannot be used. The only reason I have kept that credit card is because it is the cheapest SBI card (annual fees of Rs 300 + GST) that works for 10% eCom discounts unlike the SBI Cashback card. The HDFC IRCTC CC looks much better on paper but I have no real-life experience with it.
 
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dexter_greycells said:
As someone who has had an SBI IRCTC Platinum CC for nearly 6 years I highly recommend against it unless the card is your name and you travel solo multiple times a year. The card rewards regular reward points for co-passengers (1 pt / Rs 125) and the integration between SBI and IRCTC often breaks leaving you with missing points or points that cannot be used. The only reason I have kept that credit card is because it is the cheapest SBI card (annual fees of Rs 300 + GST) that works for 10% eCom discounts unline the SBI Cashback card. The HDFC IRCTC CC looks much better on paper but I have no real-life experience with it.
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Excellent info ..
 
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dexter_greycells said:
As someone who has had an SBI IRCTC Platinum CC for nearly 6 years I highly recommend against it unless the card is your name and you travel solo multiple times a year. The card rewards regular reward points for co-passengers (1 pt / Rs 125) and the integration between SBI and IRCTC often breaks leaving you with missing points or points that cannot be used. The only reason I have kept that credit card is because it is the cheapest SBI card (annual fees of Rs 300 + GST) that works for 10% eCom discounts unline the SBI Cashback card. The HDFC IRCTC CC looks much better on paper but I have no real-life experience with it.
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I second this. I've been holding SBI IRCTC Platinum card for the last 17 years. It is good only if you do frequent solo AC travel.

I should also probably mention that I had made good use of the card. I have made quite a number of redemptions, with two of them being bigs ones: Bangalore - Delhi AC Duronto AC First Class, Delhi - Trivandrum Rajdhani AC First Class, Bangalore - Chennai Shatabdi AC CC, Kottayam - Bangalore AC First Class, Ernakulam - Trivandrum AC CC.

The best IRCTC card is the HDFC IRCTC card but it looks like even HDFC hasn't any experience using it. Doesn't look like it was issued at all.
 
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