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.
The benefits of IRCTC SBI Platinum card are as follows:
| Welcome benefits |
|
| Travel benefits |
|
| Reward points |
|
| Railway lounge benefits |
|
| Fuel benefits |
|
The features of IRCTC SBI Platinum card are as follows:
| Waived transaction charges |
|
| Contactless service |
|
| Balance transfer service |
|
| Flexipay |
|
| Worldwide acceptance |
|
| Easy cash withdrawal |
|
| Add-on card |
|
| Visa offers |
|
The eligibility criteria for SBI IRCTC Platinum credit card are as follows:
You must be between 21 years to 70 years of age
The documents required for SBI IRCTC Platinum Credit Card are as follows:
| Identity Proof | Any one of the documents
|
| Address proof | Any one of the following documents:
|
| Income proof (For salaried) |
|
| Income proof (For self-employed) |
|
Follow the steps mentioned below to apply for SBI:
Step 1: Visit https://www.sbicard.com
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.
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 |
| 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 |
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.
The 11-digit number that is present below the cardholder's name on the SBI IRCTC Platinum Credit Card is the loyalty number.
The reward points will lapse after a period of three years from the date of membership registration.
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.
No, you will not get reward points for bookings made through mobile application.
No, these reward points cannot be transferred or combined with points earned on any other SBI card.
Yes, to redeem your reward points to cash, write to SBI or contact their SBI credit card customer care.
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.
No, only a primary card holder can opt for flexipay.
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.
