How to Increase Credit Limit on IRCTC SBI Card Premier

Are you using IRCTC SBI Card Premier? Want to Increase the credit limit? Then this is the right place. In this post we are going to show you How to Increase Credit Limit on IRCTC SBI Card Premier.

Welcome to coinobear, In this post, we are going to show you How to Increase your Credit Limit on IRCTC SBI Card Premier . IRCTC SBI Card Premier Comes with a lot of exciting offers. Customers can make unlimited purchases at any merchant that accepts credit cards worldwide. IRCTC SBI Card Premier is best fit for Travel | enthusiast. You get 2,500 bonus Reward Points on achieving total travel spends of Rs. 50,000 in an anniversary year..

 

IRCTC SBI Card Premier Details

Card Name IRCTC SBI Card Premier
Joining Fee Rs. 1,499 + applicable taxes
Reward Type Reward Points |
Fuel Surcharge 1% fuel surcharge with a maximum benefit of up to Rs. 250 per month.
Apply Link Apply Here

 

Fees & Charges

What is the joining fee of IRCTC SBI Card Premier?

Rs. 1,499 + applicable taxes

What are the Welcome Benefits for IRCTC SBI Card Premier?

1,500 Reward Points

Get complimentary railway lounge access every year.

IRCTC SBI Card Premier Benefits & Rewards

Movie / Dining 

NA

Rewards Rate 

Get complimentary railway lounge access every year.

Reward Redemption

1 Reward Point = Re. 1.

Travel Benefits for IRCTC SBI Card Premier

Get complimentary railway lounge access every year

 

Airport Lounge Access

Domestic Lounge Access : 8 complimentary railway lounge access every year (2 each quarter) within India

International Lounge Access : NA

Insurance Cover

You get insurance coverage against air accidents, railway accidents, and a fraud liability cover.

How to Increase Credit Limit on IRCTC SBI Card Premier

1. Create a budget plan

Before you decide what to purchase with your credit card, you should first create a budget plan. Spend some time doing research on how much money you have to spend each month. Do not forget about other expenses like insurance, utilities, food, and gas. By taking these factors into consideration, you will be able to determine what kind of purchases you want to make with your card. If you do not have enough money left over at the end of the month, you may need to cut down on certain spending categories.

2. Decide which product you want

After you have determined your monthly income, you can then choose what type of products you want to buy using your card. Take note of your personal preferences by looking at reviews online and reading customer opinions. You could even consider buying various samples in order to learn more about them before making a final decision.

3. Make sure you’re not paying interest

If you pay off your balance in full each month, you will avoid paying interest charges. However, if you carry a balance, you will incur additional fees. Always check the terms and conditions of your credit cards to find out what they offer.

4. Keep track of your spending

You should keep track of your spending and use the information to help you stay on top of your finances. Write down everything that you spend money on, including any receipts and items purchased online. Once you have done this, try to reduce unnecessary spending. As soon as you notice yourself starting to overspend, write down the amount you spent and add the item to a list of things you wish to get rid of.

5. Avoid impulse buys

Impulse buys are purchases without prior planning. These are purchases that you cannot wait to make, even if it means having to sacrifice something else. When you are tempted to make an impulsive purchase, take a moment to ask yourself whether this really is necessary. If you still feel compelled to go ahead with your purchase, try delaying the transaction until later.

6. Manage your credit score

If you want to increase your limit on your credit card, you will need to maintain a good credit score. To improve your credit score, start by monitoring your payments. Try to repay all of your bills on time and do not exceed your limits. In addition, look for ways to lower your debt-to-income ratio. Your ratio is calculated by dividing the total amount of debt you owe by your gross annual income. A higher ratio indicates less financial responsibility. Paying down your debts can greatly improve your credit score.

 

Our thoughts

Increasing Card Limit on IRCTC SBI Card Premier totally depends on your previous relationship with your bank, credit history, and payment time.  If we missed anything please let us know in the comment section

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