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    We found 1 SBI IRCTC Platinum Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    500
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free Paperless approval option available
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    SBI IRCTC Platinum Credit Card is Rated as "Excellent!" by 17 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 an 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 350 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 irctc.co.in. 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 irctc.co.in. 3 AC bookings are not eligible for this benefit.

    Every Rs 125 spent on retail purchases and railway tickets booked on irctc.co.in, 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 irctc.co.in.

    Transaction Charge Waivers:

    Every time a railway ticket is booked using the IRCTC SBI Platinum Card on irctc.co.in, 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 irctc.co.in 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

    Eligibility:

    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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  • SBI IRCTC Platinum Credit Card Reviews

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      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
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      , bangalore
      Reviewed on Aug 21, 2017
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      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
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      , bangalore
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      "Its very user friendly"
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      I love SBI notification part, they updates everything on time. For each and every transaction they used give the message and good in reminder call. SBI gives clear information compared than HDFC, and also SBI gives basically reward points its user friendly to redeem their website.
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      , visakhapatnam
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Credit limit is very high with this SBI gold Credit card. They are also giving very good offers if we use this card. I am having this card for more than 10 years. The customer service is very good with SBI. There is no annual fee for this card and I am happy using this card
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      , hubli
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      "Looking for better service and feature"
      0.5 3.0/5 "Satisfactory"
      SBI people are charging high interest rate compared than AXIS, especially for the EMI conversion. I tried to convert the amount but because of the interest rate I could not continue it. So far SBI didn't give any beneficial offers. Credit limit is also not upto the mark they only gave the amount of Rs.40,000.
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    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had the SBI credit card and it was a kind okay type credit card, also they have not provided the enough credit limit to me. I would like to say that the response is fine one with the SBI credit card and their payment modes too.
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      , new delhi
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Good one"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good one and the experience is also good one, also they have provided some sort of policies. I would like to say that the response is not really a good one with them and I have faced some sort of trouble with the SBI credit cards.
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      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 1.0/5 "Really Bad"
      I am not happy with State Bank of India credit card services. I have the same limit from the day I got my card till date. I also use other bank credit cards and the limit is good. But this bank is not enhancing my limit. There are no EMI options too. I would close the card soon.
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      , bangalore
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    • SBI Cards Credit Card
      "Good flexi pay option"
      0.5 4.0/5 "Great!"
      I bank with SBI also for a credit card. SBI has a balance transfer option, but I can transfer the payment only to the cards I won. The best is I can make a huge purchase on my card and convert the transaction to the flexi pay option. The rate of interest is also normal.
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      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Process is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and I recently received this card. The process for it took around 15 days. I did not have to wait long. There was a joining fee for the card. The credit limit is good but not excellent. In all no hassles.
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      , shyamnagar
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Moderate Service"
      0.5 4.0/5 "Great!"
      I am not happy with the bank for the credit card I use because the credit limit is very less. Not only that, SBI offered a chargeable credit card. It would be good if I received a life time free card from the bank. There is no lack in reward points..
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      , chennai
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Limit needs to be enhanced"
      0.5 4.0/5 "Great!"
      The balance on my credit card is very low. As , State bank of India has offered me a very low limit of 10K. There is an annual fee of 574 which I had to pay as a joining fee. Everything else is fine on the card but the limit is a low therefore, I am unable to make use of the other transactions.
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      , visakhapatnam
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Having the SBI simply save card for past 3 years. The credit card service is very good with the SBI simply save card. I pay the annual fee of Rs,500. The reward points cash back offers and fuel surcharge waiver is available with this card. I am satisfied with the credit limit,.
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      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Its good experience with SBI bank related to the credit card.They have been giving me a lot of facilities on the card, There is no hidden charges for any transaction. I really happy with my credit card and the limit they have offered me is 1.65 lakhs and they have offered me life time free credit card. I receive normal offers on my credit card
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      , new delhi
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    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card provides good offers in terms of cash back, reward points in redemption as well as the shopping. Am pretty much happy and satisfied with the benefits provided. Overall pretty good experience the credit limit they have offered me is 50000 rupees and i have taken this card in 2014 till now i haven't faced any issues with this card.
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      , vapi
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    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
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      , new delhi
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    • SBI Cards Credit Card
      "More good"
      0.5 5.0/5 "Blown Away!"
      My credit card is free for the first year the annual fee would be 499 from second year onwards. Credit limit is the one which determines the satisfactory level, in that way, I got very good credit limit from the bank and it is much convenient for my usage. Whenever I use my card for shopping, the bank is prompt in crediting reward points and other cash back offers.
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      , chennai
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    • SBI Cards Credit Card
      "Good for travellers"
      0.5 4.0/5 "Great!"
      I have taken IRCTC credit card from SBI, because I keep traveling. I am always getting discount on train tickets. Their offered me good credit limit its good and satisfactory. When I was working with previously company they gave 50,000 to 60,000 it was sufficient.
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      , bangalore
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    • SBI Cards Credit Card
      "Looking for a better offers"
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      , kolkata
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    • SBI Cards Credit Card
      "Beneficial services"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and the bank provides me good offers. They send me regular alerts about the ongoing offers and the bank has given me a good credit limit too. There is a annual fee of 500 and the statements are on time with clear details.
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      , hyderabad
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