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    We found 1 SBI IRCTC Platinum Credit Card
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    1st Year Fee
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    500
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    SBI IRCTC Platinum Credit Card is Rated as "Excellent!" by 183 Users

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    SBI IRCTC Platinum Credit Card

    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 SBI IRCTC 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:

    Cardholders can earn 350 bonus reward points worth Rs.500 or more within 45 days of issuance of the card.

    Rewards Program - SBI IRCTC 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.
    • Cardholders can earn up to 10% value back as reward points on buying train tickets at irctc.co.in for AC1, AC2, and AC CC categories.
    • 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 of SBI IRCTC 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 rewards point's option to pay for your new railway ticket at the payment gateway.
    • The value of 1 Rewards point equals Re.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.
    • Cardholders can earn 1 reward point on every Rs.125 they spend on non-fuel purchases.
    • SBI customers can redeem accrued rewards points for railway tickets on irctc.co.in.

    Transaction Charge Waivers:

    Cardholders can save 1.8% transaction charges, exclusive of GST and all other charges, when they book railway tickets on irctc.co.in.

    Fuel Surcharge waiver:

    Cardholders can enjoy 1% fuel surcharge waiver across all petrol pumps in India on transaction of Rs.500 to Rs.3,000.

    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 travelers 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 an SBI IRCTC 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 of SBI IRCTC Platinum Card:

    Cardholders 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. The eligibility for procuring an IRCTC SBI Platinum Card is decided based on the applicant’s declared income and employment, among other factors. However, listed below are the age criteria:

    For salaried applicants 21 to 58 years
    For self-employed to 58 years

    Fees & Charges of of SBI IRCTC Platinum Card:

    Annual Fee Rs.500
    Renewal Fee Rs.300
    Joining Fee Rs.500
    Add-on Fee (per annum) Nil
    Extended Credit - Interest Free Credit Period 20 to 50 days (only for retail purchases, if the previous outstanding balance has been paid in full)
    Extended Credit - Charges Up to 3.35% per month
    Extended Credit - Minimum Amount Due 5% of the total outstanding amount or a minimum of Rs.200
    Cash Advance limit Up to 80% of the set credit limit / Rs.15,000 for Platinum Cards
    Free Credit Period Nil
    Cash Advance - Charges Up to 3.35% per month
    Cash Advance fee - SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs.300/- per transaction
    Cash Advance fee - International ATMs 3% of the withdrawal amount or a minimum of Rs.300/- per transaction
    Late Payment Charges SBI 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?
    2. State Bank of India charges a fee of Rs.100 to issue new cards to customers in India.

    3. Do customers have the option of topping up rewards points accrued on an IRCTC SBI Platinum Card?
    4. 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.

    5. Can customers earn rewards points for railway bookings made on the mobile application?
    6. No, IRCTC SBI Platinum Card holders cannot earn rewards points for tickets booked using mobile phones.

    7. Can I make rewards point redemptions on part fares for IRCTC railway bookings?
    8. No, SBI does not allow redemptions on part fares but only on total ticket amounts, inclusive of all the travelers.

    9. Can I earn rewards points on discounted and concessional railway tickets?
    10. No, customers cannot earn rewards points on discounted, concessional and senior citizen tickets and for voucher transactions.

    SBI IRCTC Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've bought the IRCTC SBI PLATINUM CARD. There are offers for railway tickets booking through IRCTC but haven't checked them out. The credit limit is fair. So far the services has been good. I'll have to wait and see how it turns out for my requirements.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2018
    • SBI Cards Credit Card
      "Hassle service"
      0.5 1.0/5 "Really Bad"
      I've bought the IRCTC SBI PLATINUM CARD Online, I was unable to connect my Royalty Points. Took a lot of time to solve it. When I was trying to connect the points the phone is different,
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2018
    • SBI Cards Credit Card
      "Good. Can do better in the limit"
      0.5 5.0/5 "Blown Away!"
      I have taken a IRCTC credit card with State bank of India. The process and customer services are good and there are no hassles. There is a joining fee of 499 which got reversed. There are rewards which can only be used on railway tickets. The major drawback is the credit limit which they have provided is too low and does not match my status.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2018
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI. I am not satisfied with annual fee it is 500rs. Customer service is fine and they responded on time. They offered me 276000 of credit limit and it is very low. I use this credit card for multipurpose. So far my experience is good with SBI.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 02, 2018
    • SBI Cards Credit Card
      "Unhappy with the card"
      0.5 2.0/5 "Expected more"
      SBI has offered me a IRCTC platinum credit card. I am now facing some issues as they were not clear about the annual fee. I was told that there would be only a joining fee of 599, after which they have charged a annual fee too. I am unable to book the sleeper class ticket and I am allowed to only book the AC class. To use the reward points, I need to create a ID and the points can be redeemed only for the AC class. I have used 30K at a Store and I was charged 22% of interest for a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 02, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I was looking for a card which has not been having any charges. The process in getting the card has been easy and smooth and easy, and the credit limit with the card has been currently satisfied. I am expecting it to be increased in the near future, and i have started using the card for shopping and all other purchases.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 31, 2018
    • SBI Cards Credit Card
      "Don't use the card"
      0.5 5.0/5 "Blown Away!"
      In SBI, customer care service is very good. There is no charges in SBI credit card. They are not accessing the credit card details correctly. They have deducted money from my card. I have called the customer care service issues. After the many follow up, they have credited money. While I'm speaking with customer care, they used to disconnects the call. Most of they will not attend the call. Redemption of rewards points in SBI is not good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 30, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      I have received the credit card 2 months before. They are providing the offers like cahsback on train ticket booking. I don't find much offers on this card. They have offered me a credit limit of Rs. 59000 and I'm happy about it. They are charging the annual of Rs. 499 and it will get waived of also. I never spoke with the customer care people.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 30, 2018
    • SBI Cards Credit Card
      "Useful card for booking tickets"
      0.5 3.5/5 "Pretty good"
      Mainly i have taken this card for ticket booking. Sometimes its taking 15 minutes to connect with the executive to getting the line in customer care. If its taking too much times, they can cut the call within few minutes. After a long time only they will disconnects the call. I'm not aware of the rewards points conversion.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 26, 2018
    • SBI Cards Credit Card
      "Very bad customer care"
      0.5 3.0/5 "Satisfactory"
      SBI customer care service is very bad. They are not responding properly. The call itself is not connection in most of the time. There is no annual fee for this credit card hence its zero. They are charging 12% interest rate. I have been using this card for past 1 year. I don't know about the offer details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 23, 2018
    • SBI Cards Credit Card
      "User friendly card"
      0.5 5.0/5 "Blown Away!"
      I have taken this card in the month of January. They have offered me a credit limit of Rs. 50000 which is very much satisfied with the credit limit. They are charging Rs. 500 as a annual fee. If i book a ticket in IRCTC, they are providing a 5% cashback offers and for purchasing a mobile also i got 5% cashback offers. The customer care service is good. The SBI credit card is not that much safe.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 23, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I chose the IRCTC SBI PLATINUM CARD Online as one of my Friend recommended, the experience is good so far, haven't used the much, the limit is very low. I was expecting a much better limit. They need to provide more limit to the customers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 21, 2018
    • SBI Cards Credit Card
      "GOOD ENOUGH"
      0.5 4.5/5 "Excellent!"
      I am holding SBI credit card from last month. I have not use much so i am not aware about the benefits . I use this card mostly for traveling purpose, booking the flight tickets. Customer services of sbi is good whenever i interact with them they solve my query.
      Was this review helpful? 1
      , faridabad
      Reviewed on Jul 18, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      Got my Irctc platinum sbi card and started using it . Am not satisfied with the credit limit Of rs 700000 which they have provide . There is annual charge for the card of rs 500 w . There is no additional charges for the transaction which i make . There is no particular reason for choosing the card . Overall am satisfied with the card.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Jul 17, 2018
    • SBI Cards Credit Card
      "Useful Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI IRCTC Credit card for a while. The points are expired, it has offers and EMI facility on Flipkart. The limit is very low. I will have to request for a good limit in future. Overall ti has been a hassle free experience with the card and their services
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 13, 2018
    • SBI Cards Credit Card
      "This is not usable card"
      0.5 2.0/5 "Expected more"
      The customer care service is not good. I need to be hold on long time and IVR will disconnect my call automatically. I will not recommend this card to anyone IRCTC is not usable. If i purchase IRCTC ticket but i will get not rewards points. If i purchase the ticket in first AC and First AC only then i will get 10% cashback offer on some month. If i book on 3AC i won't get any cashback. If i have a minimum 1000 rewards then only i can able to redeem otherwise i can't.
      Was this review helpful? 1
      , surat
      Reviewed on Jul 12, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I got my Yatra sbi credit card and started using it . Am satisfied with the credit limit which they have offered . There is Annual charge of Rs 499 but there is no additional charges for the transaction which i make. Am getting cash back offer in shopping . Customer service and response is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 11, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I Got my Irctc platinum sbi card and started using it . Am satisfied with the credit limit which they have provide . There is annual charge for the card of rs 499 . There is no additional charges for the transaction which i make . The reason for choosing this card is as this card gives cash back offers for shopping .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had been using the card for the last one year and the services which they had been providing so far had been very good. The credit limit which they had given with the card had not been that much satisfactory. I am not sure about the good offers with the card but i am using the card for shopping and all other online purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 09, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting the card had been very smooth and easy and the card also had reached on time. They had given me with a good credit limit and there has been good benefits with the card as well. I have not much used the card for much usage. So far it had been a hassle free experience with their banking services.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jul 09, 2018
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