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  • SBI IRCTC Platinum Credit Card

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  • Get your next IRCTC ticket for free with the IRCTC SBI Platinum Credit Card. The joining fee (which is also the first-year fee) is Rs.500 and the annual fee from the second year onwards is Rs.300. You are charged an interest rate up to 3.35% per month (40.2% p.a.) if you have an outstanding balance.
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    SBI IRCTC Platinum Credit Card

    Key Highlights of IRCTC SBI Platinum Credit Card BankBazaar offers on the IRCTC SBI Platinum Credit Card
    • You can save yourself from the hassles of applying for the card offline if you opt for the paperless and rapid application process on BankBazaar.
    • Additionally, you enjoy other benefits like checking your credit score, checking your eligibility for the credit card, an instant approval, etc.
    IRCTC and State Bank of India launch loyalty program on co-branded credit card (Updated July 01, 2019)

    The Indian Railways Catering and Tourism Corporation and the State Bank of India had launched a co-branded credit card a few months back to cater to the people of India, traveling by trains.

    On 1 July, IRCTC and SBI have launched a loyalty program which offers a wide range of benefits for the cardholders. The SBI-IRCTC loyalty program aims to provide cashback and reward point benefits on train bookings.

    The cardholders under this program can claim cashback on the booking amount paid for train reservations along with earning reward points. These reward points can be redeemed to book train tickets as well.

    The cashback will be credited directly into the credit card account after 5 days from the date of bookings. A 10% cash back can be availed on the reservation of only AC compartments of the train which are AC Chair Car, AC - 1st class, AC 2nd class, 3rd class, and Executive Chair Car.

    Features & Benefits of SBI IRCTC Platinum Card

    Welcome Offers
    • The first ATM withdrawal within 30 days of card activation gives you a cashback of Rs.100.
    • 350 bonus reward points on a single transaction of Rs.500 or more within 45 days of issuance of the card.
    IRCTC Travel Offers
    • 1.8% discount on railway ticket booking from IRCTC.co.in.
    • Airline tickets at affordable prices
    • You get to choose from over 5,000 hotels across 350 cities in the country while making reservations.
    • Custom-made tour packages inclusive of leisure tours, adventure tours, wildlife getaways, and pilgrimage packages.
    Rewards Program
    • Earn up to 10% value back as reward points on buying train tickets at irctc.co.in for CC, AC, AC3, AC2, and AC1 categories.
    • Earn one reward point for every Rs.125 spent on retail purchases including railway ticket purchases on the official IRCTC website. This doesn't include fuel purchases.
    • The value of 1 reward point equals Rs.1 and you can redeem the accumulated points for booking railway tickets.

    Rewards Redemption of IRCTC SBI Platinum Card

    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 reward points option to pay for your new railway ticket at the payment gateway.
    • The ticket booked with rewards points must 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, AC 2 Tier, and AC Chair Car.

    Other features of IRCTC SBI Platinum Card

    Transaction Charge Waiver: You save 1.8% transaction charges, exclusive of GST and all other charges when they book railway tickets on irctc.co.in.

    Fuel Surcharge waiver: You can avail 1% fuel surcharge waiver across all petrol pumps in India on fuel transactions of Rs.500 to Rs.3,000. The maximum surcharge amount is capped at Rs.100 for one statement cycle.

    Visa Offers: You get exclusive privileges from Visa including great deals on entertainment, travel, dining and golf.

    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.

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

    Utility Bill Payments: You can easily pay your utility bills like telephone bills, electricity bills, insurance, etc.without any hassles. SBI provides this service to its customers free of cost.

    Add-on Cards: You can also apply for add-on cards for your spouse, parents, children, and siblings above the age of 18, without additional charges.

    Flexipay: Using the Flexipay feature, you can convert all your purchases over Rs.2,500 into EMI within 30 days of the transactions.

    IRCTC SBI Platinum Credit Card fees and charges

    Type of Charge Amount
    Annual fee Rs.500
    Renewal fee Rs.300
    Finance charges Up to 3.35% per month
    Interest free credit period 20 - 50 days (applicable only on retail purchases and on the contingency that all previous months' outstanding balance is paid)
    Minimum amount due 5% of the total outstanding amount
    Cash withdrawal fee - SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs.300 per transaction
    Cash withdrawal fee - International ATMs 3% of the withdrawal amount or a minimum of Rs.300 per transaction
    Add-on fee (per annum) NIL
    Card replacement charges Rs.100 per replacement
    Late payment charges

    When the total amount due is in between:

    • Rs.0-Rs.200 - NIL
    • Rs.200 and Rs.500 - Rs.100
    • Rs.500 and Rs.1,000 - Rs.400
    • Rs.1,000 and Rs.10,000 - Rs.600
    • Rs.10,000 and Rs.25,000 - Rs.800
    • Greater than Rs.25,000 - Rs.950
    Cash payment fee and SBI branch Rs.100 per payment
    Cheque payment fee Rs.100 (for payments up to Rs.10,000)

    Eligibility for Applying for the IRCTC SBI Platinum Credit Card

    • You must have a stable income source. The minimum income limit would be communicated to you when you are applying for the card.
    • You should also meet the age limit as specified by the bank.
    • You should have a good credit score to be eligible for the IRCTC SBI Platinum Credit Card.

    Documents Required To Apply For The IRCTC SBI Platinum Credit Card

    • Address proof, ID proof, and PAN card photocopy.
    • Passport size photographs.
    • Income proof - Salary slip, Form 16, or ITR documents (whichever applies).
    • KYC-PAN, Address proof and ID Proof

    *You also need to submit documents other than the ones mentioned here and the complete list would be given to you at the time of your application process.

    How to apply for the IRCTC SBI Platinum Credit Card online?

    You can apply for the IRCTC SBI Platinum Credit Card on the SBI official website. You can also apply on BankBazaar. The application process is paperless and rapid. The procedures for applying on BankBazaar are mentioned below.

    • Go to BankBazaar, hover above 'Cards' and click on 'Credit Cards'.
    • Beside the IRCTC SBI Platinum card, click on 'Check Eligibility'.
    • After proving your eligibility, answer the questions asked on the next page.
    • Upload the documents asked for and click 'Submit'. The process is complete.
    • To enable you to track the status of your IRCTC SBI Platinum Credit Card application, a tracking ID would be sent to you. Visit ' Track Application ' and learn about the status.

    IRCTC SBI Platinum Card FAQs

    1. What is the IRCTC SBI Platinum Card?
    2. The IRCTC SBI Platinum Card is a travel card that offered by SBI in partnership with the Indian Railways.

    3. What are the card replacement charges imposed by the State Bank of India on the IRCTC SBI Platinum Card?
    4. State Bank of India charges a fee of Rs.100 to issue a replacement card to customers in India.

    5. How do I redeem the reward points earned on my IRCTC SBI Platinum Card?
    6. You can redeem you rewards by following these steps.

      • Log into the SBI card website.
      • Click on 'Rewards'.
      • Click on 'Redeem Rewards'.
      • Choose from the catalogue that offers you various reward options.
      • Click on 'Redeem Now' and then confirm the redemption request.
    7. How do I redeem the rewards on my mobile phone?
    8. You can redeem rewards on your mobile by following the steps mentioned below.

      • Log in to the SBI mobile app.
      • On the left-hand side, click on 'Rewards'.
      • Click on 'Redeem Rewards'.
      • Choose from the catalogue that offers you various reward options.
      • Click on 'Redeem Now' and then confirm the redemption request.
    9. Is it possible to redeem your reward points for cash?
    10. Yes, to redeem your reward points to cash, write to SBI or contact their customer care.

    11. Do reward points expire?
    12. Reward points have a validity of 24 months from the date of accrual. Any reward points not redeemed within this period will lapse.

    13. What is Flexipay?
    14. Flexipay is an option provided by SBI wherein you can convert spends into Equated Monthly Installments (EMI). Any transaction over Rs.2,500 can be converted in EMIs within 30 days of making the spend.

    15. Are there processing charges on Flexipay?
    16. You will have to pay a 2% processing fee on the total amount you wish to convert.

    17. Can the add-on card holder opt for flexipay?
    18. No, only a primary card holder can opt for flexipay.

    19. When will the flexipay instalment be billed?
    20. The flexipay instalment will be billed as per your credit card billing cycle.

      

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    SBI IRCTC Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have done the transactions because of forcible merchants and they have overcharged of 9K. I have approached them for refund and the formalities are very long. I have been using IRCTC card and never experienced the benefits. I have blocked the card for time being and am not planning to use it any more but still they are charging me. The charges are on higher side also fraudulent transactions are happening.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Hassle free handling of credit card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from SBI. Initially i got a offer from employer hence i opted this card. I don't use this card much but lots of offers provided by online website. They have given me a credit limit of Rs. 2.6 lakhs and there is no yearly charges. The card variant is IRCTC. I make the payment without any delay.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 07, 2019
    • SBI Cards Credit Card
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      Recently i bought a new credit card from SBI and they have increased the limit based on my payment and usage. Their online facility is convenient to convert my EMI facility and their app is very useful. Their customer care service is very poor. First they issued me IRCTC credit card.
      Was this review helpful? 0
      , kochi
      Reviewed on Aug 31, 2019
    • SBI Cards Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from State bank of India which is a IRCTC card. They keep on giving an offer but i don't avail anything. Most of my expenses from my credit card. They have given me a limit of Rs. 56000. They have delivered the card in 10 days and the documentation process was fine.
      Was this review helpful? 1
      , patna
      Reviewed on Aug 06, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 4.5/5 "Excellent!"
      I am using SBI IRCTC credit card and its beneficial booking for railway tickets and also the best thing is they are providing balance transfer facility. Its been more than 1.5 years and the credit limit is not enhanced which is okay. I think, the annual fee has been charged and reversed back.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 31, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      SBI is a excellent card to use. I hold a IRCTC card and there is no annual fee. I get some discount when i booking in IRCTC website. It has some annual charges which is acceptable. Totally, i am satisfied with the service provided by state bank of India.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 24, 2019
    • SBI Cards Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      I have a IRCTC railway card on state bank of India. When i'm booking the railway tickets, i get the offers on this card. There is no yearly charged on this card. I got the credit limit of Rs. 50000. I spoke with the customer care and the service is fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 23, 2019
    • SBI Cards Credit Card
      "Good card for train ticket booking"
      0.5 3.0/5 "Satisfactory"
      I had my credit card from state bank of India which is a IRCTC card. I did not receive the statement and not received any notification also regarding the bills for that they have charged me Rs. 100 after a long conversation they said they will reversed that money but i said i will close the card and done it. Still now I'm following up with my NOC letter
      Was this review helpful? 0
      , greater noida
      Reviewed on Jul 15, 2019
    • SBI Cards Credit Card
      "SBI makes promise what they can maintain"
      0.5 1.0/5 "Really Bad"
      I had used the SBI credit card and the experience was bad. The executive promised me that the card is not cost for me anything for a life time. Once they have charged me the annual fee and i have sent a mail with a recording to nodal office and he said that he cannot waive off the annual fee and he said he will close the card. The card comes with a credit limit of Rs. 86000. I get a offer from IRCTC train booking. The interest rate is high on SBI which is 31%. There is no Amazon and flipkart offers on this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 27, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have SBI IRCTC card that is giving loyalty reward pointso n irctc ticket booking ,The credit limit is good to me i have received the credit card on time without delay through online ,The agent gave all the information and also submitted the documents ,There are good reward points ,cash back offers are also there This is a chargeable card it spend Rs. 5000 to 10,000Rs. it will be waived off .
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India Credit card whcih was applied through Online .The credit was good as well.This card is very useful and having good reward points and cash back offers so far.I have submitted the documents and so far i have not faced any difficulties .There are no extra features so far on this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a long time since i am using the IRCTC SBI Platinum Credit Card, the services with them had been pretty much good. There used to be offers on train ticket booking and the card does not have any annual charges. I am using the card for all purposes and there has been some good benefits i am getting through this card.
      Was this review helpful? 1
      , mumbai
      Reviewed on May 15, 2019
    • SBI Cards Credit Card
      "very good & need to be careful "
      0.5 5.0/5 "Blown Away!"
      SBI is also good and have purchased IRCTC second card. Earlier had BPCL card and the benefits are good. The credit limit is very good. They are charging annual fee of Rs.500 but its okay for me. I make time to time payments so no idea about the charges. I get too much of scam calls in the name of SBI, they have to be very careful.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 09, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the IRCTC SBI PLATINUM CREDIT CARD for the last one year, the credit limit with the card is around 96,000 and there is some good benefits which comes with this card. It has an annual charges of 400 as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 10, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this SBI IRCTC Platinum Credit Card for a very long time and the services with them has been pretty good. It is a life time free card with added benefits like zero charges for train ticket booking. The credit limit with this card has been good and i use the card mostly for train ticket bookings.
      Was this review helpful? 1
      , raebareli
      Reviewed on Apr 08, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am happy with SBI IRCTC credit card and using it for past 1.5 years. The credit limit is 62K which was sufficient. The customer service and response was excellent. They are charging annual fee of Rs.1400. I have been using the card for booking tickets and am getting discounts.
      Was this review helpful? 0
      , thane
      Reviewed on Apr 04, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold SBI IRCTC platinum credit card from long time,They have charged me annual fee in this card,but waiver option is available in this card,like if i spend more than 1000 then my annual fee will get waived off,and i am happy with the credit limit they have given me up to 1,25,000 which was sufficient for me,and they use to give good offers in train tickets.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Apr 01, 2019
    • SBI Cards Credit Card
      "Best travel card"
      0.5 5.0/5 "Blown Away!"
      I am using IRCTC SBI PLATINUM CARD. I am using this card more than 3 months.This is a travel card to book railway booking.I am getting some reward points. Credit limit is really good and sufficient. Customer service and responsiveness is good in SBI BANK.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 26, 2019
    • SBI Cards Credit Card
      "Very disappointed service"
      0.5 1.0/5 "Really Bad"
      Through i am customer of SBI bank,i am not happy with their service,i have been holding SBI IRCTC credit card from past 4 years,but i am not happy with their offers and benefits,like whatever ticket i book they use to give in loyalty account those points ,some 3000 points was available in this loyalty id,due to some issue my id got issue they blocked my id as well as this 3000 points have got wasted because of this, i call to customer care they do not properly explain me or resolve my issue,thinking to close this card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 23, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      SBI is also good, I am having IRCTC card. I used to travel a lot and it was much useful at that period. I have no issues with the service and the response was good. The annual charge is applicable but If I use above 50K then it will waived off. I get discounts on IRCTC site.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 15, 2019
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