Save 1% on IRCTC ticket bookings, enjoy exclusive travel perks & book flights at great prices.
Welcome benefits:- Get 350 bonus reward points (worth Rs. 350) after your first successful transaction of Rs. 500 or more.
Enjoy Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
The SBI IRCTC Credit Card is a travel card made in partnership with IRCTC. It gives you good savings when you book train tickets through IRCTC. The card also offers benefits like access to railway lounges and no transaction charges on train ticket bookings. You can also earn rewards on other shopping. If you travel mostly by train and want a credit card with low fees, the IRCTC SBI Platinum Card is a good choice.
There is also a premium version called IRCTC SBI Premier with a higher annual fee of Rs. 1,499. This card offers more savings for travelers, so if you don’t mind paying more, you can consider this option.
The SBI IRCTC Platinum Credit Card is a travel card from State Bank of India in partnership with IRCTC. It gives special benefits and extra discounts on railway ticket bookings. The card also offers deals in other areas like fuel purchases.
SBI IRCTC Platinum Credit Card Rewards Program
Reward Points:
Earn 1 reward point for every Rs. 125 spent, including railway ticket purchases on the IRCTC website or app.
How to Redeem Reward Points:
Log in to your IRCTC account linked to your SBI card.
Choose the reward points option when paying for your railway ticket.
Points can be used only for confirmed or RAC tickets in specific classes like 1st Class AC, Executive Chair Car, AC 2 Tier, and AC Chair Car.
Each reward point equals Rs. 1.
Important Rules:
Reward points cover the full ticket fare, including IRCTC service charges.
Points can’t be redeemed for single passenger fares; they must cover the total fare for all passengers.
If you don’t have enough points, you can buy them at Rs. 1.50 per point plus taxes.
When you cancel a ticket paid with points, only the points are refunded, not cash.
Other Features and Benefits
Welcome Benefits
Get 350 bonus reward points (worth Rs. 350) after your first successful transaction of Rs. 500 or more.
Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
Travel Benefits
Earn 10% value back in reward points when booking AC1, AC2, AC3, and AC Chair Car tickets on IRCTC.
Get 1% discount on all railway ticket bookings through the IRCTC website.
Special offers on flight bookings via IRCTC website.
Railway Lounge Benefits
Enjoy 4 complimentary railway lounge visits every year (1 per quarter).
Fuel Benefits
Get 1% fuel surcharge waiver on fuel purchases between Rs. 500 and Rs. 3,000 at all petrol pumps.
Other Features
Save 1% transaction charges on railway ticket bookings.
Contactless payments available for quick daily transactions.
Balance transfer facility to convert outstanding credit card dues to EMIs at lower interest.
Flexipay option lets you convert transactions of Rs. 2,500+ into easy monthly installments.
Accepted worldwide at 325,000+ outlets in India and 29 million VISA outlets globally.
Easy cash withdrawal from over 1 million ATMs worldwide.
Add-on cards available for family members aged 18 and above.
Get special offers on dining, golf, travel, and entertainment through Visa.
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 500 + Taxes
Annual Fee
Rs. 300 + Taxes
Finance Charges
3.50% p.m. | 42% p.a.
Late Payment Charges
For Statement Balance:
Less than Rs. 500
Nil
Rs. 500 to Rs. 1,000
Rs. 400
Rs. 1,000 to Rs. 10,000
Rs. 750
Rs. 10,000 to Rs. 25,000
Rs. 950
Rs. 25,000 to Rs. 50,000
Rs. 1,100
Above Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You often travel by train and want to save on your train ticket expenses
You don’t need rewards or benefits on other types of spending
You want a travel credit card with a low annual fee
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For SBI IRCTC Platinum Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
SBI IRCTC Platinum Credit Card Hilights
What do we like about this card?
350 bonus reward points on first transaction of Rs. 500+
10% value back on AC1, AC2, AC3, and AC Chair Car railway ticket bookings via IRCTC
4 complimentary railway lounge visits per year
1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000
Balance transfer and Flexipay options available for easier payment management
Pros
Low annual fee travel credit card
Great value on train ticket bookings via IRCTC
Complimentary access to railway lounges
No transaction fees on IRCTC railway ticket bookings
Cons
Rewards limited only to train travel expenses
Base reward rate is low at 0.8%
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.