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  • SBI IRCTC Platinum Credit Card

    Apply for this SBI credit card and get up to 10% valueback as reward points on booking AC1, AC2, AC3, and AC CC tickets on irctc.com. Save up to 1.8% transaction charge on railway tickets and 1% surcharge waiver on fuel transactions of Rs.500-Rs.3,000.
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    SBI IRCTC Platinum Credit Card is Rated as "Excellent!" by 207 Users

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    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.

    Key Highlights of SBI IRCTC Platinum Credit Card

    The co-branded credit card offers highly rewarding options to frequent travellers in the country.

    Travel benefits offered by the SBI IRCTC Platinum Credit Card

    BankBazaar offers on the SBI IRCTC 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.

    SBI IRCTC Platinum Credit Card features and benefits

    Welcome Offers

    • The first ATM withdrawal within 30 days of card activation gives you a cashback of Rs.100.
    • You also earn 350 bonus reward points on a single transaction of Rs.500 or more within 45 days of issuance of the card.

    IRCTC Travel Offers

    • IRCTC offers exciting deals for IRCTC SBI Platinum Card users with exceptional privileges and travel packages.
    • You get to choose from over 5,000 hotels across 350 cities in the country while making reservations.
    • As an IRCTC SBI Platinum cardholder, you get custom-made tour packages inclusive of leisure tours, adventure tours, wildlife getaways, and pilgrimage packages.
    • Another advantage that IRCTC offers is that customers can book their flight tickets at very affordable costs. 

    Rewards Program

    • You earn up to 10% value back as reward points on buying train tickets at irctc.co.in for AC1, AC2, AC 3, and AC CC categories.
    • You also earn one reward point for every Rs.125 spent on retail purchases including railway ticket purchases on the official IRCTC website.
    • You would earn reward 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.
    • The value of 1 reward point equals Re.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 point's 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.

    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.

    SBI IRCTC Platinum Credit Card fees and charges

    Type of Charge Amount
    Joining fee Rs.500
    Annual fee Rs.300
       
    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)

    Eligibility for applying for the SBI IRCTC Platinum Credit Card

    To be eligible for the SBI IRCTC Platinum Credit Card, you must satisfy the following criteria:

    • 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 SBI IRCTC Platinum Credit Card.

    Documents required to apply for the SBI IRCTC Platinum Credit Card

    • You need to submit your address proof, ID proof, and PAN card photocopy.
    • You also need a passport size photograph of yours.
    • As an income proof, you need to submit 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 SBI IRCTC Platinum Credit Card online?

    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.

    • If you are on the SBI IRCTC Platinum Credit Card on BankBazaar, 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 SBI IRCTC Platinum Credit Card application, a tracking ID would be sent to you. Visit ' Track Application ' and learn about the status.

    SBI IRCTC Platinum Card FAQs

    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.

    SBI IRCTC Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      SBI is also good, I am having IRCTC card. I used to travel a lot and it was much useful at that period. I have no issues with the service and the response was good. The annual charge is applicable but If I use above 50K then it will waived off. I get discounts on IRCTC site.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 15, 2019
    • SBI Cards Credit Card
      "Need to waive off the charges"
      0.5 4.0/5 "Great!"
      I hold SBI IRCTC card and its been nearly 8 years. Am getting special discounts on railway ticket bookings. They are responding well and customer service was good. The charges are high for late payment and also they are charging annual fee around 300 to 350 rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 07, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I have taken a SBI IRCTC credit card for more than 2 years. The credit limit is okay. It has good benefits on ticket bookings. The customer service is good and response was proper. The charges are high, I have converted the payments into EMI. It is annual fee card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 19, 2019
    • SBI Cards Credit Card
      "Good on railway booking"
      0.5 3.0/5 "Satisfactory"
      My SBI IRCTC credit card has the yearly fee of Rs. 700, in this card I get railway ticket discount. And get surcharges on the booking including earning points. I am using this card around one year, I have some points based on the booking and the payment gateway is fast.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 18, 2019
    • SBI Cards Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      I have chosen this card based on the offers . There is annual charges for the card of Rs 500 which gets waived off after using certain limit . I have chosen Irctc card from sbi card .Am satisfied with the good credit limit which they have offered.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • SBI Cards Credit Card
      "Convenient card"
      0.5 4.0/5 "Great!"
      SBI credit card is good and they are giving benefits for flexi pay. The reward point is not much good. I took SBI IRCTC credit card and using it for more than 4 years. There is no annual fee. I get some concession when booking railway tickets. The customer service is good. The interest rate is okay.Convenient card
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 08, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card for long time, they have not charged me annual fee in this card, and i am happy with my credit limit they have given me in this card, and there service is good, there is no hidden charges they have provided in this card, there overall service is good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 17, 2018
    • SBI Cards Credit Card
      "Need to use more"
      0.5 5.0/5 "Blown Away!"
      I have chosen this card based on the offers . There is annual charges for the card of Rs 500 I have chosen Irctc card from sbi card based on suggestion and offer .Am satisfied with the good credit limit which they have offered. Got the card in time , as of now not faced any issue with the card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 16, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have taken Irctc sbi credit card i have chosen this card based on travel offers where the service tax gets waived off . There is no annual charges for the card where i have been using it for last 7-8 months. Am happy with customer service and response .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 16, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      I have an IRCTC credit card with SBI from more than 1 year, Rs 499 will be waived off i use certain limit in this credit card. I am happy with the credit limit provided by this credit card. I get good discounts on railway and flight tickets on this credit card
      Was this review helpful? 0
      , pune
      Reviewed on Dec 01, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been holding this card for a while and they had been providing a good service. The credit limit with the card has been good and there has been some charges which they had been taking as well. There has been some annual charges with this card as well and there has been some other good offers also which comes with this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 29, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using a SBI IRCTC credit card for last 6 years. They have given me a very good credit limit. The customer service does not reply immediate and response is not very clear. They are charging 36% per annum on credit cards, its like same as others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 29, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card since the year of 2010 and the services which they had been providing so far has been good. The credit limit with the card has been good and there has been some good travel benefits with this card as well. It has been a life time free card as well.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 27, 2018
    • SBI Cards Credit Card
      "Average and Looking for more benefits."
      0.5 2.5/5 "Just OK"
      I am not happy with the SBI credit card service, they don't respond for any query. The rate of interest is also high. I am using IRCTC credit card for past 2 years. There is only discount on the IRCTC website for the ticket booking. The credit limit is good. It is a life time free credit card.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 21, 2018
    • SBI Cards Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have been holding this card for the last two years. The annual charges with the card has been minimal and it will get waved off as per the usage which we are making. I rarely use this card and once there has been a fake transaction happened from this card where i had blocked it during that time.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Irctc sbi credit card where i have been using this card for travel purpose . There is annual charges of rs 300 And they have given low credit limit of rs 300 . Even the annual charges gets waived with redeem points . Their credit card mobile application is too fast .
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 25, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had chosen to go with this card since there has been some good benefits available with this card. The card also had reached on the right time. The credit limit which they had provided with the card has been good for the time being but i am expecting it to be enhanced in the future. There has been some annual fee with the card which has been nominal and i have started using the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 06, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have chosen this card based on the offers . There is annual charges for the card of Rs 500 which gets waived off after using certain limit . I have chosen Irctc card from sbi card .Am satisfied with the good credit limit which they have offered.
      Was this review helpful? 0
      , surat
      Reviewed on Oct 02, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since there has been benefits on fuel recharges and i use to travel a lot so it will be so much helpful for me. The credit limit which they had given with the card has been less than i expected, but there has been good offers with the card. I had been using the card for shopping and all other purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 03, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've applied for the SBI IRCTC Credit card online. It do not have any commendable offers. The limit is average. The card has got the option to convert the purchases into EMIs.So far it has been a good experience with the card and their services.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 31, 2018
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