Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI IRCTC Platinum Credit Card

    The SBI IRCTC Platinum Credit Card is a travel card offered by the State Bank of India in partnership with the IRCTC. This card offers a wide range of benefits, especially with railway ticket bookings with additional discounts. The SBI IRCTC Platinum Credit Card also comes with other offers across other categories such as fuel.

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    Benefits of IRCTC IRCTC SBI Platinum Credit Card

    The benefits of IRCTC SBI Platinum card are as follows:

    Welcome benefits
    • Get 350 activation points on completing a single transaction worth Rs.500 within 45 days of card activation
    Travel benefits
    • Get 10% value back as reward points on booking AC1, AC2, AC3, and AC CC tickets through IRCTC
    • Get 1% off on booking railway tickets through IRCTC website
    • Get offers on booking flight tickets through IRCTC website
    Reward points
    • Earn one reward point on every Rs.125 spent using IRCTC SBI Platinum credit card
    Railway lounge benefits
    • Avail up to four complimentary railway lounge service every year (one per quarter)
    Fuel benefits
    • Get 1% fuel surcharge waived across all petrol pumps on all fuel transactions ranging between Rs.500 to Rs.3,000

    Features of IRCTC IRCTC SBI Platinum Credit Card

    The features of IRCTC SBI Platinum card are as follows:

    Waived transaction charges
    • Save 1% transaction charges on booking railway tickets
    • A 1% of the total refund amount will be debited to your card, in case you cancel the ticket
    Contactless service
    • Just wave this card at the secure reader for daily transactions
    Balance transfer service
    • You can transfer your other credit card's outstanding balance on this card and pay in EMIs at a lower rate of interest
    • Convert your transactions made using this card into monthly installments (Minimum transaction: Rs.2500 and above. Log on within the 30 days from the date of purchase to convert it into Flexipay)
    Worldwide acceptance
    • This is a travel credit card and is accepted at over 3,25,000 outlets in India and 29 million VISA outlets worldwide.
    Easy cash withdrawal
    • You can withdraw cash from more than 1 million ATMs across the world using this card
    Add-on card
    • Add-on card facility available with this card (Minimum age criteria: 18 years)
    Visa offers
    • Get offers on dining, golf, travel and entertainment

    Eligibility criteria for SBI IRCTC Platinum Credit Card

    The eligibility criteria for SBI IRCTC Platinum credit card are as follows:

    You must be between 21 years to 70 years of age

    • You must either salaried employee or self-employed
    • You must have a good credit score

    Documents required for SBI IRCTC Platinum Credit Card

    The documents required for SBI IRCTC Platinum Credit Card are as follows:

    Identity Proof Any one of the documents
    • Aadhaar card
    • Driving Licence
    • Passport
    • Voter's ID card
    • PAN Card
    • Ration Card
    Address proof Any one of the following documents:
    • Aadhaar card
    • Telephone bill
    • Passport
    • Ration card
    • Electricity bill
    • Voter ID card
    Income proof (For salaried)
    • Pay slips (last six months)
    • Bank statements
    Income proof (For self-employed)
    • Proof of business ownership
    • Proof of business continuity
    • Office address proof
    • Bank statements (not more than six months old)
    • Audited financials (not more than two years old)

    How to Apply for SBI Credit Card Online?

    Follow the steps mentioned below to apply for SBI:

    Step 1: Visit

    Step 2: Choose the card you wish to apply for and click on the 'Apply now' button.

    Step 3: Fill up the required details and submit the application.

    If you application is approved, you will receive a call from SBI card team for verification purposes.

    BankBazaar offers on 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.

    Fees and Charges SBI IRCTC Platinum Credit Card

    The fees and charges of SBI IRCTC Platinum credit card are as follows:

    Type of Fee Amount
    Annual Fee (one Time) Rs.500 + GST
    Renewal Fee (per annum) Rs.300 + GST
    Add-on Fee (per annum) Nil
    Card replacement fee Rs.100
    Cash payment fee Rs.250 + taxes
    Cash advance fee 2.5% or Rs. 500 whichever is higher
    Missed payment charges Rs.100

    Late Payment Charges

    Amount Late Fee
    Zero to Rs. 500 NIL
    Greater than Rs.500 to Rs.1000 Rs.400
    Greater than Rs.1000 to Rs.10,000 Rs.750
    Greater than Rs.10,000 to Rs.25,000 Rs.950
    Greater than Rs.25,000 to Rs.50,000 Rs.1100
    Greater than Rs.50,000 Rs.1300

    How to redeem reward points of IRCTC SBI Platinum credit card

    Accrued rewards points can be redeemed by SBI customers using the following process explained below.

    Step 1: Login into IRCTC using the registered username and password linked to your loyalty number.

    Step 2: Choose the reward points option to pay for your new railway ticket at the payment gateway.

    Step 3: 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.

    Note: Reward points can also be redeemed at Rs.1/reward point.

    Rules for Rewards Redemption

    • The reward points can be redeemed only against the total ticket fare, service charges levied by IRCTC included.
    • For individual passenger fares, the cardholder cannot redeem reward points.
    • For more than one passenger, one has to redeem points equivalent to total fare. Part payment cannot be made for such transactions.
    • In case you fall short of reward points, you can purchase them at Rs.1.50/reward point (plus taxes).
    • If you cancel the redeemed tickets, only reward points would be credited back (SBI Reward Points, SBI Travel Reward Points, and Purchase Points) and not cash.

    FAQs on IRCTC SBI Platinum Card

    1. What is the SBI IRCTC Platinum Credit Card loyalty number?

      The 11-digit number that is present below the cardholder's name on the SBI IRCTC Platinum Credit Card is the loyalty number.

    2. For how long are reward points valid?

      The reward points will lapse after a period of three years from the date of membership registration.

    3. I forgot to pay my credit card renewal fee; will I lose my reward points?

      The IRCTC gives 90 days grace period from the date of membership expiry to pay the renewal fees. However, during this period you can only accumulate reward points, not redeem them.

    4. Will I get reward points for tickets booked through mobile application?

      No, you will not get reward points for bookings made through mobile application.

    5. Can I transfer my SBI IRCTC Platinum Credit Card reward points?

      No, these reward points cannot be transferred or combined with points earned on any other SBI card.

    6. Is it possible to redeem your reward points for cash?

      Yes, to redeem your reward points to cash, write to SBI or contact their SBI credit card customer care.

    7. What is Flexipay?

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

    8. Can the add-on card holder opt for flexipay?

      No, only a primary card holder can opt for flexipay.

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