SBI IRCTC Platinum Credit Card
State bank of india State bank of india

SBI IRCTC Platinum Credit Card

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/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Fuel Fuel
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

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.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About SBI IRCTC Platinum Credit 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:

  1. Log in to your IRCTC account linked to your SBI card.
  2. Choose the reward points option when paying for your railway ticket.
  3. 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.
  4. 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 TypeAmount
Joining FeeRs. 500 + Taxes
Annual FeeRs. 300 + Taxes
Finance Charges3.50% p.m. | 42% p.a.
Late Payment Charges
For Statement Balance: 
Less than Rs. 500Nil
Rs. 500 to Rs. 1,000Rs. 400
Rs. 1,000 to Rs. 10,000Rs. 750
Rs. 10,000 to Rs. 25,000Rs. 950
Rs. 25,000 to Rs. 50,000Rs. 1,100
Above Rs. 50,000Rs. 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.

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