The co-branded SBI IRCTC Platinum Credit Card has been specially created to meet the tastes and lifestyle requirements of Indian customers. It features some of the best travel, retail, dining and entertainment benefits. These include 10% value backs, rewards points, exciting offers, transaction fee waivers, etc.
The co-branded credit card offers highly rewarding options to frequent travellers in the country.
IRCTC Travel Offers
Accrued rewards points can be redeemed by SBI customers using the following process explained below.
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.
|Type of Charge||Amount|
|Extended credit charges||Up to 3.35% per month|
|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|
|Extended credit - Minimum Amount Due||5% of the total outstanding amount or a minimum of Rs.200|
|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)|
To be eligible for the SBI IRCTC Platinum Credit Card, you must satisfy the following criteria:
*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.
You can apply for the SBI IRCTC Platinum Credit Card on the SBI official website.
You can also apply on BankBazaar. The application process is paperless and also rapid. The procedures for applying on BankBazaar are mentioned below.
What is the IRCTC SBI Platinum Card?
The IRCTC SBI Platinum Card is one of the best travel cards that are offered by SBI in partnership with the Indian Railways.
What are the card replacement charges imposed by the State Bank of India on the IRCTC SBI Platinum Card?
State Bank of India charges a fee of Rs.100 to issue new cards to customers in India.
Do I have the option of topping up rewards points on my IRCTC SBI Platinum Card?
Yes, you can purchase extra rewards points at the cost of Rs.1.50 for 1 reward point if you fall short of points during redemption.
Do IRCTC SBI Platinum Cardholders earn rewards points for railway bookings made on the mobile application?
No, IRCTC SBI Platinum cardholders cannot earn rewards points for tickets booked using mobile phones.
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.
What are the benefits of the IRCTC SBI Platinum Card?
The IRCTC SBI Platinum Card provides the best benefits in the travel category. To know more about the benefits offered by the card, refer to the features and benefits section above.
How do I redeem the reward points earned on my IRCTC SBI Platinum Card?
You can redeem the accumulated reward points for rail ticket booking and other options. Please refer to the reward redemption section above for more details.
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