SBI IRCTC Card -

I got a call from a man (KAMLESH) telling that he is calling on behalf of IRCTC (Really they r agents for SBI credit Card).

He told that irctc offers u card with the following benefits
- No platform ticket for any railway platforms in INDIA (No rly officials r aware of it)
- No transaction charges for internet ticket booking(1.8%).
- 10% Cash back for AC tickets. Railway points for all the tickets booked online using the card.It also can be used as credit card.
- Initially no charge for 1st year and if you like the card you can renew it by paying 300/- Rs 350 bonus points.

He was asking for the documents on the same day by giving the reason that there executives are in bangalore circle today and tomorrow they will be in mysore circle. He said because you are using irctc for 4 years so it is a offer for your transactions in IRCTC. I asked for some time and verify the card details on the website:

http://www.irctc.co.in/cgi-bin/bv60.dll/irctc/common/Sbidetails.jsp

He again called saying that he will send the executive tomorrow and before that he will give me a call. I told him that this card is not beneficial to me as i travel in 3 tier AC mostly. Then he told that i can use this card as a credit card.Next day he called me but before that i read the card reviews on Mouthshut and told him that i am not interested in the card as i am getting good offers from my already existing cards. And the card is not beneficial for a sleeper and 3 tier passengers.

After that he started talking harshly that you wasted my time and put your phone down etc..He was calling from the following number - 08067829600 and 08066331400

Benefits as mentioned on the website:
1) Get 10% of your base fare as Railway Points, on AC class (except 3 AC) railway tickets
2) benefit from an exclusive 1.8% transaction charge waiver on your credit card transactions

Other benefits and hidden terms and condition copied from irctc website (http://www.irctc.co.in/loyalty.html)

Please read carefully on the above mentioned website as there are many cons.
1) Points can be redeemed only after minimum of 500 points accumulated
2) You must be one of the passengers on the ticket to earn Railway Points. Also, Railway Points will be awarded only on your individual fare
3) If you cancel a redeemed ticket before the date of journey, you forfeit 50% of the Railway Points, over and above the existing cancellation charges

SBI should teach their tele-executives about the manner. Their work is to sell their products but it depends on the customer whether they want to take or not.So be careful when this call comes to u.Think whether it is useful to u and go for it.