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 by the State Bank of India in partnership with the IRCTC. This card offers a wide range of benefits, specially under the category of railway ticket bookings with additional discounts. The SBI IRCTC Platinum Credit Card comes with other offers across other categories such as fuel. This credit card has an annual fee of Rs.500 and comes with an interest rate of up to 3.35% per month.
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    Key Highlights of IRCTC SBI Platinum Credit Card

    • 1.8% discount on railway ticket booking from
    • The card gives you reward points on booking travel tickets on
    • 1% fuel surcharge on all fuel stations in India.

    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.

    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
    • 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 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

    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.

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