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    SBI IRCTC Platinum Credit Card

    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 "Great!" by 11 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 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

    • SBI Cards Credit Card
      "Good in offers"
      0.5 4.0/5 "Great!"
      State Bank of India is good in the banking services. I hold a credit card and the benefits on the card is good. I get a lot of discounts and there are many offers online for this bank. The rewards are also much on the transactions I do and in all there are no difficulties.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I got life time free credit card with State bank of India. I am satisfied with the credit limit levied by the bank. Interest rate is moderate and there is no issues with SBI for my credit card at any time. Their customer service is approachable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Using Simply save card for about past 2 years. It has very good benefits like reward points , cash back offers and fuel surcharge waiver in this card. The best part about this card is the cash back offer which is very useful. Overall, I am happy with the credit limit. The rate of interest is nominal with this card.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Awesome "
      0.5 5.0/5 "Blown Away!"
      I do hold three Bank credit cards and amongst all, SBI credit card Ranks ONE because of their interest rate, which is the least also the credit limit which is offered by them is really satisfactory. Online services are really good as I can covert the payment in to EMI option from my end itself.
      Was this review helpful? 0
      , siliguri
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I had closed down my SBI credit card at the time of redeeming the bonus points. Customer service was not good also they did not provide the proper response, also I had used it for 1.5 years of time. But I would advise them to work on their customer service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card is the best one and its really working hard and I am using it for some long time. Recently, I have upgraded my credit card. Customer service are not really working good and I would like to say that they need to improvise in providing good response.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use SBI Simply saved card for the past one year. I am very much happy with the reward points, cash back, offers and fuel surcharge waiver and other offers are also available on this SBI card. The rate of interest is very much nominal on my SBI credit card. I am very much happy with the credit limit which is allocated on my card. Totally I am happy to use this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 22, 2017
    • SBI Cards Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I would like to say SBI credit card is the best one and the interest rate is lesser one , though delayed payment happens. Credit limit value is around 43000 Rupees and the customer service is good one with them and there are no worries. There is only one drawback with them is lacking of regular alerts while making purchase.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2017
    • SBI Cards Credit Card
      "Good Bank"
      0.5 4.0/5 "Great!"
      I have platinum delight card with State bank of India. The annual fee is around 3000 rupees. I am more comfortable with this card. I used to receive reward points and cash back offers from the bank. I have more reward points, also it is easy to redeem those reward points too.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 20, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 3.5/5 "Pretty good"
      I do hold a credit card of State bank of India. they have offered me a life time free card from SBI. As it is government bank, the bank services are not up to the mark, their services are not really satisfactory. Mostly I would not use SBI card rather I prefer to use HDFC Bank credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 20, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      After 25 days of time from the time of inquiry, I had got the credit card from SBI. Credit limit value is around 1.4 lakh Rupees , which is very good, also they have not given it without any verification. Annual charge is around 499 Rupees on my SBI simply save credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 20, 2017
    • SBI Cards Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am using Simply save credit card from SBI, they wont charge any annual fee or other fee. I am happy with that and they gave many exciting offers on fuel surcharge, reward points etc. I could convert the purchase amount into an EMI without any charges.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 19, 2017
    • SBI Cards Credit Card
      "Needs to improve"
      0.5 2.0/5 "Expected more"
      To what I had expereinced SBI credit card did not work really well and the credit limit value is around 17000 Rupees. Annual charges are around 500 Rupees and there are no offers with them till now. Customer service and other aspects are really not good like I need to wait for thirty minutes in the line to be connected with their executives which can be worked on.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good to have SBI card"
      0.5 5.0/5 "Blown Away!"
      SBI doing fair enough job on credit card process, I have SBI gold credit card, I used to get reward points for all transaction. I never redeem those points as of now, SBI gives good cash book offers on Flipkart and Amazon, I got maximum amount of Rs.2500 of cash back
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I am using credit card with State bank of India. The charges are 500 per annul. The bank quoted good credit limit and it is very much satisfactory and useful according to my usage. Also, whenever I use this credit card, the bank promptly credits reward points and sometimes cash back offers. It is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 2.5/5 "Just OK"
      Recently I had taken a credit card from State bank of India. It has been six months when I availed their credit card service. As of now, I did not face any issues with them. But I could not expect good customer service from SBI as it is a nationalized bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Satisfied with the services & offers"
      0.5 5.0/5 "Blown Away!"
      SBI is the best on the credit card offers, especially they offered me a very good credit limit. It is a better limit when compared to ICICI Bank. Like wise there are a lot of nice offers of rewards and cash back and a lot of offers on the eCommerce websites.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 4.0/5 "Great!"
      I am quite happy with the credit limit offered by the bank for my credit card. The annual fee is 500. Their services are really good and I have no issues with State bank of India. Even I do not have any problem with their customer service. I am happy with SBI card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I am quite happy with SBI service of credit card, It provides good reward points for petrol and diesel with the value of 1 point - 2rupees, as of now I have accumulated 700 points. SBI recently upgraded the good credit limit now its around 2.50 lakhs I am very much satisfied with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good to Hold"
      0.5 4.5/5 "Excellent!"
      I like SBI interest rate and transparency of credit card its good. I am holding SBI credit card more than ten years. I am using SBI visa card, I am getting good reward points, I have accumulated 5000 to 7000 points I have converted into voucher but there is no option to convert into a cash back.
      Was this review helpful? 0
      , sonipat
      Reviewed on May 18, 2017
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