Yes I have been using this card for last more than 6 months.it is like not normal other credit card.it has got several emi options on transaction more than 3000 at minimal interest.Here we gets irctc points like rewards points which can be utilised only on Irctc rail ticket buying from irctc goverment site.i have seen fabulas offer in irctc points which noone gives cause sbi has goverment tie up with indian railway.It is most prefered for railway ticket booking and exciting offer.All other IVR systems are also well but not good enough like other competitive.
