Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Custom Free
     

    Get a card

  • SBI IRCTC Platinum Credit Card

    Loading your search...
  • 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.
    More
  • We found 1 SBI IRCTC Platinum Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    500
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details

    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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    SBI IRCTC Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using SBI IRCTC credit card and i have not faced any difficulties.There are cash back offers as well as reward points which is really useful. App is not working properly and got the credit card on time without any delay .The agent shared all the details about the card process.The credit limit was very less and it was Rs.75000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 04, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using IRCTC SBI credit card more than 4 years. Annual charges are not sure. The customer service and responsiveness was good. Mostly i use this card for all purpose but not tried for train ticket booking which I don't know how to use it. Credit limit is sufficient and good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 27, 2020
    • SBI Cards Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      In SBI, i was having my salary account earlier, so that i had chosen my credit card. They have provided me a IRCTC SBI Platinum card. When i book the train ticket from 1st class ticket, i get some discounts. In the petrol bunk, i get fuel sur charges waiver. They have provided me a limit of Rs. 30000. I am not using this card much nowadays.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Feb 23, 2020
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card which was directly availed through online .I am using this credit card for more than 12 months .The credit limit was 1.6lakhs it was ok if it is increased it will be good .I am getting good reward points on this credit card .I am totally satisfied with the service.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Feb 14, 2020
    • SBI Cards Credit Card
      "Best card"
      0.5 3.0/5 "Satisfactory"
      I had applied SBI IRCTC credit card through online, the credit limit is very low Rs. 43,000 , I was expecting more. I had received the card on time and I believe it's a chargeable card. I have started using the card I have not got any reward points and offers and also i am getting 1+1 movie offer and also i am getting credit card statement through email.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 10, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, EMI option is best. I purchased laptop via online using this card EMI option and I received 10% instant discount which is around Rs.2000. I have a credit limit of Rs.70,000 which is sufficient. I have rewards points but i have not converted yet. It is a chargeable card, i think, it is Rs. 200. I can avail 5 to 10% discount on train ticket booking.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 05, 2020
    • SBI Cards Credit Card
      "Good Card for train booking"
      0.5 3.0/5 "Satisfactory"
      The purpose of taking IRCTC SBI card that I'm frequently traveling to different cities hence its useful for me. When i use this card in IRCTC website, the process is very fast. I get 5% off on train ticket booking. On time basis, they have increased my credit limit. I didn't call the customer care till now. I have not tried using this bank app yet.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 27, 2019
    • SBI Cards Credit Card
      "Easy bank"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was availed through Bank. I am using this credit card almost 3 years. I am satisfied with the service so far. This is a IRCTC card i use for booking train tickets, merchant purchase and more. I am satisfied with the service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 21, 2019
    • SBI Cards Credit Card
      "Neat, clear and approachable"
      0.5 5.0/5 "Blown Away!"
      I'm yet to start using SBI card because I have received the card recently. I have received the IRCTC credit card and there are lots of benefits available. They have provided me a credit limit of Rs. 1.8L and they are charging me a annual fee of Rs. 300 and they also provided me a Rs. 10L insurance cover for the amount of Rs. 430 annually. There is a waiver available for the annual fee, if I use the card for Rs. 20,000 in a year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      The charges are less in SBI credit card when compared with my RBL card. Their customer service is good and even they were good in doing favor as per customer needs. I hold IRCTC card and am using the card for multi purpose. The payment mode is net banking. The annual fee is Rs.500.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 13, 2019
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was taken through Bank .I am using this credit card for the past 2 years This is a IRCTC card it is very useful for travel ticket booking for train it is a good facility on this card .The agent shared all the details about the card process .
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Nov 13, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using State Bank Of India credit card which was taken through Online .I am using IRCTC credit card for the past 2 years only.It is very useful as well as comfortable to use ,Can use for travel ticket bookings and also there are good reward points ,I am satisfied with overall service .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 09, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I hold a State Bank of India IRCTC credit card which I applied online and time taken to process is only one week. The limit provided from bank is not sufficient which is very low only Rs.34000. I have not use any reward points and not aware of the cash back.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 29, 2019
    • SBI Cards Credit Card
      "Worst card"
      0.5 1.0/5 "Really Bad"
      Service is really poor in SBI. SBI people are not taking response whether in call and in mail. If i asked them to increase the limit, they are asking too much queries and they are charging lots of interest rate and services. I have a IRCTC card but i don't know about the benefits and they have not informed me about the features of the card. I already requested them to close the card but they are not doing the same.
      Was this review helpful? 1
      , muzaffarpur
      Reviewed on Oct 04, 2019
    • SBI Cards Credit Card
      "Need to be more secured"
      0.5 5.0/5 "Blown Away!"
      In SBI, i am having a IRCTC Platinum credit card. I am getting the EMI benefits and petrol sur charges waiver. Security features must be enhanced. I get some cashback offers also. Its easy to hack the card while I'm doing a purchase on malls.Over all good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • 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 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? 3
      , 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
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.