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    SBI IRCTC Platinum Credit Card

    We found 1 SBI IRCTC Platinum Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    Paperless approval option available
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    SBI IRCTC Platinum Credit Card is Rated as "Great!" by 9 Users

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    IRCTC SBI Platinum Card Overview:

    Carry a piece of priceless art in your wallet, which you would love to own. Designed by the well-known artist, RK Laxman, the IRCTC SBI Platinum Card adds a stroke of aesthetic flavor to your everyday purchases. This card has been specially created keeping in mind the tastes and lifestyle requirements of Indian customers. Introduced as a co-branded card by State Bank of India along with IRCTC (Indian Railway Catering and Tourism Corporation Limited), this card features some of the best travel, retail, dining and entertainment benefits. Every journey rewards you like never before, with 10% value backs, rewards points, exciting offers, transaction fee waivers and much more.

    Benefits of a IRCTC SBI Platinum Card:

    SBI offers a bouquet of benefits for IRCTC SBI Platinum Card holders with exciting deals and discounts on travel, dining, golf, retail and entertainment.

    Welcome Offers:

    The first ATM withdrawal done by a new IRCTC SBI Platinum Card holder within 30 days of card activation, gets an Rs 100 cash back.

    Bonus Reward Points:

    Apply for an IRCTC SBI Platinum Card and get 50 Activation Bonus Reward Points as a welcome gift on purchases worth Rs 500 or more within 45 days of card issue.

    Rewards Program - IRCTC SBI Platinum Card:

    SBI card holders can earn rewards points on railway ticket bookings done on The user needs to be aged above 18 years and below 60 years while joining this programme. They should also be a registered IRCTC user to avail this benefit.

    Tickets have to be booked only on IRCTC and the cardholder must be amongst the booked passenger list. SBI awards rewards points on the railway fare of the card holder.

    Customers can earn rewards points on 1st Class AC, Executive Chair Car, AC II Tier and AC Chair Car tickets. Rewards points cannot be got for bookings done using Passenger Reservation System counters.

    SBI credit card holders can get up to 10% value back on AC fares, excluding 3 AC in the form of rewards points. This offer will apply only when the card holder meets the mentioned requirements - a) if the railway tickets are booked on IRCTC using the 11 digit Reward membership number available on the IRCTC SBI Platinum Card. b) The card holder should have activated the IRCTC SBI Platinum Card by spending Rs 500 or more, OR, a payment should have been made to clear outstanding dues within 45 days of card issue.

    Card holders can earn rewards points only on base fares and not on reservation charges, taxes, superfast charges, etc. SBI will credit accrued rewards points to the customer’s account 5 days after the journey date.

    Rewards Redemption:

    Accrued rewards points can be redeemed by SBI customers using the following process explained below.

    • Login into IRCTC using the registered username and password.
    • Choose the rewards point’s option to pay for your new railway ticket at the payment gateway.
    • The value of 1 Rewards point equals Rs 1.
    • Redemptions can be done when a minimum of 500 rewards points have been accrued, through ticket bookings on IRCTC or through non-fuel retail purchases. Customers need to have at least 300 rewards points for subsequent redemptions.
    • The ticket booked with rewards points has to be reserved 5 days before the journey date, with redemption being done for the entire ticket fare and not on individual fares.
    • Rewards redemption can be done only on confirmed or RAC railway tickets booked for 1st Class AC, Executive Chair Car, AC 2 Tier, and AC Chair Car.
    • Accumulated rewards points have a validity of three years and cannot be transferred to any SBI credit card.
    Value Back:

    Get up to 10% value back as rewards points for AC1, CC and AC2 ticket bookings done on 3 AC bookings are not eligible for this benefit.

    Every Rs 125 spent on retail purchases and railway tickets booked on, gets 1 reward point for the customer. This offer does not apply on fuel transactions.

    SBI customers can redeem accrued rewards points for railway tickets on

    Transaction Charge Waivers:

    Every time a railway ticket is booked using the IRCTC SBI Platinum Card on, get a transaction fee waiver of 1.8%. If cancellations are made, then 1.8% of the amount refunded will be debited to the card holder.

    Fuel Surcharge waiver:

    Customers can get a fuel surcharge waiver of 2.5% at any petrol bunk in India with a minimum waiver amount of Rs 100 for every statement cycle. This waiver is valid for amounts ranging between Rs 500 and Rs 3000.

    IRCTC Travel offers:

    • IRCTC offers exciting deals for IRCTC SBI Platinum Card users with exceptional privileges and travel packages.
    • Booking railway tickets are no longer a hassle, with IRCTC offering easy online booking options to customers.
    • Card holders can choose from over 5000 hotels across 350 cities in the country while making reservations.
    • IRCTC SBI Platinum Card holders can get custom made tour packages inclusive of leisure tours, adventure tours, wildlife getaways and pilgrimage packages for individual travellers and groups.
    • Another advantage that IRCTC offers is that, customers can book their flight tickets at very affordable costs.
    Visa Offers:

    IRCTC SBI Platinum Card users can also enjoy exclusive privileges from Visa and get great deals on entertainment, travel, dining and golf.

    Features of a IRCTC SBI Platinum Card:

    Global Acceptance - The IRCTC SBI Platinum Card is accepted worldwide at over 29 million merchant outlets and at 3, 25,000 merchant outlets in India, through the Visa payment gateway.

    No Fuel Surcharge - Customers using the IRCTC SBI Platinum Card do not have to pay fuel surcharge and can enjoy complete waivers on purchases of diesel, petrol and lubricants at any petrol bunk in India. Users have to refuel for an amount ranging from Rs 500 to Rs 3000, every time they transact. The maximum surcharge amount is capped at Rs 100 for one statement cycle.

    Easy ATM withdrawals - IRCTC SBI Platinum Card customers can make cash withdrawals from 1.2 million Visa ATMs, worldwide and 18, 000 ATMs within India. Users can also access the wide network of SBI ATMs across to make withdrawals anytime.

    24/7 Assistance - State Bank of India provides 24/7 Visa Global Customer Assistance and the IRCTC SBI Platinum card Customer Helpline to card holders to help them during any emergency situation.

    Utility Bill Payments - IRCTC SBI Platinum Card users can easily pay their utility bills like telephone bills, electricity bills, insurance, etc., without any hassles. SBI provides this service to customers free of cost.

    Add-on Cards - Primary card holders can also apply for add-on cards for their spouse, parents, children and siblings above the age of 18, without additional charges.

    Balance Transfers - State Bank of India offers various Balance Transfer Plans for customers transferring their outstanding balances from other bank credit cards at low interest rates.

    Flexipay - IRCTC SBI Platinum Card customers can make high value purchases and comfortably repay them as easy monthly installments, with tailor made plans at low interest rates. Customers need to contact the SBI Helpline within 10 days of the purchase to avail this facility.

    Money Draft Facility - Card holders can get instant funds by placing requests for drafts after contacting the IRCTC SBI Platinum Card Customer Helpline. SBI would bill the draft amount to the customer’s credit card.Extended Credit Facility - The IRCTC SBI Platinum Card offers maximum payment flexibility to customers with the extended credit facility. Based on the total outstanding amount, customers can pay any sum from the minimum amount due. The remaining balance will be carried forward at low finance charges.

    Doorstep Delivery - IRCTC SBI Platinum Card holders can book railway tickets on and also have them delivered at their doorsteps.

    E-statements - SBI customers can get their credit card monthly statements delivered to their email addresses and have 24/7 access to their accounts.

    SBI Card SMS Alerts - Customers can get instant SMS alerts with regards to their credit card status through the SBI Card Alerts service. The SMS got will comprise of cheque alerts, mini statements, credit limit and cash limit alerts and payment assistance alerts.

    SBI Card Portal - SBI customers can easily manage their IRCTC SBI Platinum card accounts, check online statements, make changes with regards to personal details or locate the nearest SBI ATM using the SBI card web portal.

    SBI Card Drop Box Locator - Customers can easily locate the nearest SBI Card drop box by sending a request through their registered mobiles and getting an instant SMS with the required information.

    Documents required:

    • PAN card
    • Identity proofs (Any one) -
      • Passport
      • Voter’s ID
      • PAN card
      • Driving License
      • UID Aadhar Number


    Card holders will be eligible for an IRCTC SBI Platinum Card based on their annual income shown at the time of application. SBI determines the eligibility for a customer only based on the income criteria.

    Fees & Charges:

    Annual FeeRs. 300
    Joining FeeRs. 500
    Add-on Fee (per annum)Nil
    Extended Credit - Interest Free Credit Period20 to 50 days (only for retail purchases, if the previous outstanding balance has been paid in full)
    Extended Credit - ChargesUp to 3.35% per month
    Extended Credit - Minimum Amount Due5% of the total outstanding amount or a minimum of Rs 200
    Cash Advance limitUp to 80% of the set credit limit / Rs 15,000 for Platinum Cards
    Free Credit PeriodNil
    Cash Advance - ChargesUp to 3.35% per month
    Cash Advance fee - SBI or other domestic ATMs2.5% of the withdrawal amount or a minimum of Rs 300/- per transaction
    Cash Advance fee - International ATMs3% of the withdrawal amount or a minimum of Rs 300/- per transaction
    Late Payment ChargesSBI does not charge any fee for outstanding amounts of up to Rs 200. For amounts above Rs 200, the banks charges late payment fees ranging from Rs 100 to Rs 750, depending on the outstanding amount.

    SBI IRCTC Platinum Card FAQs:

    1. What are the card replacement charges imposed by State Bank of India for IRCTC SBI Platinum Cards?

      State Bank of India charges a fee of Rs 100 to issue new cards to customers in India.

    2. Do customers have the option of topping up rewards points accrued on an IRCTC SBI Platinum Card?

      Yes, customers can buy extra rewards points at the cost of Rs 1.50 for 1 rewards point, if they fall short of points while redemption.

    3. Can customers earn rewards points for railway bookings made on the mobile application?

      No, IRCTC SBI Platinum Card holders cannot earn rewards points for tickets booked using mobile phones.

    4. Can I make rewards point redemptions on part fares for IRCTC railway bookings?

      No, SBI does not allow redemptions on part fares but only on total ticket amounts, inclusive of all the travellers.

    5. Can I earn rewards points on discounted and concessional railway tickets?

      No, customers cannot earn rewards points on discounted, concessional and senior citizen tickets and for voucher transactions.


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