Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 SBI IRCTC Platinum Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    500
    Response Time : Within 30 minutes
    Rs.1,500 Amazon Voucher free Paperless approval available
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    SBI IRCTC Platinum Credit Card is Rated as "Excellent!" by 69 Users
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    SBI IRCTC Platinum Credit Card

    Carry a piece of priceless art in your wallet, which you would love to own. Designed by the well-known artist, RK Laxman, the IRCTC SBI Platinum Card adds a stroke of aesthetic flavor to your everyday purchases. This card has been specially created keeping in mind the tastes and lifestyle requirements of Indian customers. Introduced as a co-branded card by State Bank of India along with IRCTC (Indian Railway Catering and Tourism Corporation Limited), this card features some of the best travel, retail, dining and entertainment benefits. Every journey rewards you like never before, with 10% value backs, rewards points, exciting offers, transaction fee waivers and much more.

    Benefits of an SBI IRCTC Platinum Card:

    SBI offers a bouquet of benefits for IRCTC SBI Platinum Card holders with exciting deals and discounts on travel, dining, golf, retail and entertainment.

    Welcome Offers:

    The first ATM withdrawal done by a new IRCTC SBI Platinum Card holder within 30 days of card activation, gets an Rs.100 cash back.

    Bonus Reward Points:

    Cardholders can earn 350 bonus reward points worth Rs.500 or more within 45 days of issuance of the card.

    Rewards Program - SBI IRCTC Platinum Card:

    • SBI card holders can earn rewards points on railway ticket bookings done on irctc.co.in. The user needs to be aged above 18 years and below 60 years while joining this programme. They should also be a registered IRCTC user to avail this benefit.
    • Tickets have to be booked only on IRCTC and the cardholder must be amongst the booked passenger list. SBI awards rewards points on the railway fare of the card holder.
    • Cardholders can earn up to 10% value back as reward points on buying train tickets at irctc.co.in for AC1, AC2, and AC CC categories.
    • SBI credit card holders can get up to 10% value back on AC fares, excluding 3 AC in the form of rewards points. This offer will apply only when the card holder meets the mentioned requirements - a) if the railway tickets are booked on IRCTC using the 11 digit Reward membership number available on the IRCTC SBI Platinum Card. b) The card holder should have activated the IRCTC SBI Platinum Card by spending Rs.500 or more, OR, a payment should have been made to clear outstanding dues within 45 days of card issue.
    • Card holders can earn rewards 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.

    Rewards Redemption of SBI IRCTC 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 rewards point's option to pay for your new railway ticket at the payment gateway.
    • The value of 1 Rewards point equals Re.1.
    • Redemptions can be done when a minimum of 500 rewards points have been accrued, through ticket bookings on IRCTC or through non-fuel retail purchases. Customers need to have at least 300 rewards points for subsequent redemptions.
    • The ticket booked with rewards points has to 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, and AC Chair Car.
    • Accumulated rewards points have a validity of three years and cannot be transferred to any SBI credit card.

    Value Back:

    • Get up to 10% value back as rewards points for AC1, CC and AC2 ticket bookings done on irctc.co.in. 3 AC bookings are not eligible for this benefit.
    • Cardholders can earn 1 reward point on every Rs.125 they spend on non-fuel purchases.
    • SBI customers can redeem accrued rewards points for railway tickets on irctc.co.in.

    Transaction Charge Waivers:

    Cardholders can save 1.8% transaction charges, exclusive of GST and all other charges, when they book railway tickets on irctc.co.in.

    Fuel Surcharge waiver:

    Cardholders can enjoy 1% fuel surcharge waiver across all petrol pumps in India on transaction of Rs.500 to Rs.3,000.

    IRCTC Travel offers:

    • IRCTC offers exciting deals for IRCTC SBI Platinum Card users with exceptional privileges and travel packages.
    • Booking railway tickets are no longer a hassle, with IRCTC offering easy online booking options to customers.
    • Card holders can choose from over 5000 hotels across 350 cities in the country while making reservations.
    • IRCTC SBI Platinum Card holders can get custom made tour packages inclusive of leisure tours, adventure tours, wildlife getaways and pilgrimage packages for individual travelers and groups.
    • Another advantage that IRCTC offers is that, customers can book their flight tickets at very affordable costs.

    Visa Offers:

    IRCTC SBI Platinum Card users can also enjoy exclusive privileges from Visa and get great deals on entertainment, travel, dining and golf.

    Features of an SBI IRCTC Platinum Card:

    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.

    No Fuel Surcharge - Customers using the IRCTC SBI Platinum Card do not have to pay fuel surcharge and can enjoy complete waivers on purchases of diesel, petrol and lubricants at any petrol bunk in India. Users have to refuel for an amount ranging from Rs 500 to Rs 3000, every time they transact. The maximum surcharge amount is capped at Rs 100 for one statement cycle.

    Easy ATM withdrawals - IRCTC SBI Platinum Card customers can make cash withdrawals from 1.2 million Visa ATMs, worldwide and 18, 000 ATMs within India. Users can also access the wide network of SBI ATMs across to make withdrawals anytime.

    24/7 Assistance - State Bank of India provides 24/7 Visa Global Customer Assistance and the IRCTC SBI Platinum card Customer Helpline to card holders to help them during any emergency situation.

    Utility Bill Payments - IRCTC SBI Platinum Card users can easily pay their utility bills like telephone bills, electricity bills, insurance, etc., without any hassles. SBI provides this service to customers free of cost.

    Add-on Cards - Primary card holders can also apply for add-on cards for their spouse, parents, children and siblings above the age of 18, without additional charges.

    Balance Transfers - State Bank of India offers various Balance Transfer Plans for customers transferring their outstanding balances from other bank credit cards at low interest rates.

    Flexipay - IRCTC SBI Platinum Card customers can make high value purchases and comfortably repay them as easy monthly installments, with tailor made plans at low interest rates. Customers need to contact the SBI Helpline within 10 days of the purchase to avail this facility.

    Money Draft Facility - Card holders can get instant funds by placing requests for drafts after contacting the IRCTC SBI Platinum Card Customer Helpline. SBI would bill the draft amount to the customer's credit card. Extended Credit Facility - The IRCTC SBI Platinum Card offers maximum payment flexibility to customers with the extended credit facility. Based on the total outstanding amount, customers can pay any sum from the minimum amount due. The remaining balance will be carried forward at low finance charges.

    Doorstep Delivery - IRCTC SBI Platinum Card holders can book railway tickets on irctc.co.in and also have them delivered at their doorsteps.

    E-statements - SBI customers can get their credit card monthly statements delivered to their email addresses and have 24/7 access to their accounts.

    SBI Card SMS Alerts - Customers can get instant SMS alerts with regards to their credit card status through the SBI Card Alerts service. The SMS got will comprise of cheque alerts, mini statements, credit limit and cash limit alerts and payment assistance alerts.

    SBI Card Portal - SBI customers can easily manage their IRCTC SBI Platinum card accounts, check online statements, make changes with regards to personal details or locate the nearest SBI ATM using the SBI card web portal.

    SBI Card Drop Box Locator - Customers can easily locate the nearest SBI Card drop box by sending a request through their registered mobiles and getting an instant SMS with the required information.

    Documents required:

    • PAN card
    • Identity proofs (Any one) -
    • Passport
    • Voter's ID
    • PAN card
    • Driving License
    • UID Aadhar Number

    Eligibility of SBI IRCTC Platinum Card:

    Cardholders will be eligible for an IRCTC SBI Platinum Card based on their annual income shown at the time of application. SBI determines the eligibility for a customer only based on the income criteria. The eligibility for procuring an IRCTC SBI Platinum Card is decided based on the applicant’s declared income and employment, among other factors. However, listed below are the age criteria:

    For salaried applicants 21 to 58 years
    For self-employed to 58 years

    Fees & Charges of of SBI IRCTC Platinum Card:

    Annual Fee Rs.500
    Renewal Fee Rs.300
    Joining Fee Rs.500
    Add-on Fee (per annum) Nil
    Extended Credit - Interest Free Credit Period 20 to 50 days (only for retail purchases, if the previous outstanding balance has been paid in full)
    Extended Credit - Charges Up to 3.35% per month
    Extended Credit - Minimum Amount Due 5% of the total outstanding amount or a minimum of Rs.200
    Cash Advance limit Up to 80% of the set credit limit / Rs.15,000 for Platinum Cards
    Free Credit Period Nil
    Cash Advance - Charges Up to 3.35% per month
    Cash Advance fee - SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs.300/- per transaction
    Cash Advance fee - International ATMs 3% of the withdrawal amount or a minimum of Rs.300/- per transaction
    Late Payment Charges SBI does not charge any fee for outstanding amounts of up to Rs.200. For amounts above Rs.200, the banks charges late payment fees ranging from Rs.100 to Rs.750, depending on the outstanding amount.

    SBI IRCTC Platinum Card FAQs:

    1. What are the card replacement charges imposed by State Bank of India for IRCTC SBI Platinum Cards?
    2. State Bank of India charges a fee of Rs.100 to issue new cards to customers in India.

    3. Do customers have the option of topping up rewards points accrued on an IRCTC SBI Platinum Card?
    4. Yes, customers can buy extra rewards points at the cost of Rs.1.50 for 1 rewards point, if they fall short of points while redemption.

    5. Can customers earn rewards points for railway bookings made on the mobile application?
    6. No, IRCTC SBI Platinum Card holders cannot earn rewards points for tickets booked using mobile phones.

    7. Can I make rewards point redemptions on part fares for IRCTC railway bookings?
    8. No, SBI does not allow redemptions on part fares but only on total ticket amounts, inclusive of all the travelers.

    9. Can I earn rewards points on discounted and concessional railway tickets?
    10. No, customers cannot earn rewards points on discounted, concessional and senior citizen tickets and for voucher transactions.

    SBI IRCTC Platinum Credit Card Reviews

    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 3.0/5 "Satisfactory"
      I have got the SBI SIMPLY SAVE CARD within 15 to20days of time. The Executives came to my place and collected the required documents on time. The credit limit value with SBI SIMPLY SAVE CARD is nominal it would be great if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 15, 2018
    • SBI Cards Credit Card
      "Need Transparency"
      0.5 3.0/5 "Satisfactory"
      When I was about to get the SBI SIMPLY SAVE CARD, their customer executives told that there will be annual fee of Rs.499 to this card from the second , but they have charges Rs,599 for the first month itself saying that there is an annual fee plus service taxes. The transparency is needed in the process. The customer support need to be service oriented.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 15, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using the SBI advantage platinum card for more than 3years. There customer support is good with the State bank of India . I got better credit limit value with this credit card. I am satisfied with the credit limit value. I would say it is a good card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 15, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with Sate bank of India.The limit on the card is 25k i am happy with limit but expected more.The card has an annual fees of 499 and the card type is simply click card.I got my card processed within the TAT.I am getting Insurance very often,i am not quite happy with it.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 13, 2018
    • SBI Cards Credit Card
      "Better service "
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card of State bank of India.The limit on the card is 50,000,i have take this card last three months ago.The card type is simple click.I have started using the card .The phone banking service is good and I had got a prompt response from them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 13, 2018
    • SBI Cards Credit Card
      "Need to improve a lot"
      0.5 1.0/5 "Really Bad"
      I got the State Bank of India credit card and the experience is not really good because I am getting continuous calls from them. I have got the two credit cards from them before. I would like to say that the customer service could be improved to a certain extent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 2-3 years, the services provided by SBI card is good when compared to all other credit cards. An annual fee of Rs 499 which has to be paid every year for this credit card. I get offers like reward points in this credit card. I use net banking for making payments and i was provided a credit limit of Rs 50000 on my credit card.,
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the SBI SIMPLY CLICK CARD within 10 days of time. The customer support of State bank was very supportive. The customer support response was good with the SBI. The credit limit is high with this card and I am satisfied with it. The rate of interest and the charges are average with SBI SIMPLY CLICK CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The SBI provides gives good service in regards to the credit card sections. I get reminders on time to do the bill payments. I got the SBI SIMPLY SAVE CREDIT CARD around 5 months ago. The customer support is good with the State bank of India. I am satisfied with the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cards and the experience was quite good. The process was quite long and it took 15 days to receive the credit card. I have a credit limit of Rs25000 which is sufficient but i expected more. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they collected documents on time. I am not aware of any offers in this credit card and i use this card for multi purpose.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      By the month of November, I have got the State Bank of India credit card. I can get the reward points from this card relating to the fuel purchase. Response is good one with the State Bank of India credit card and am really happy with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Looking for a better limit"
      0.5 1.0/5 "Really Bad"
      I am holding a credit card of State bank of India.The limit on the card is 22,000 cash limit is 16,000The card is applicable for an annual fees of 499.My only concern is they have given a very low limit not satisfactory, at all because of this i wont recommend the bank to others,otherwise the response is good and they had immediately processed my request.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I got the State Bank of India credit card and the services are very good one for me. The credit limit value is lesser one for me but its okay one too. Response is good one with the State Bank of India credit card. Everything is perfect one with the State bank of India credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service is good one with the State Bank of India credit card and the response is also good too. I would like to say that the credit limit value is around 1.9 lakh Rupees. Everything is fine one with the State bank of India credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The rate of interest and the charges are high with the SBI simply save credit card. I have got the SBI simply save credit card within 5days of time. The customer support was good with the State bank and they gave me better response in regards to my credit card application. I am not satisfied with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 2 months, the credit card services are comparatively good than other credit cards. An annual fee of Rs 499 has to be paid every year for this credit card. I get offers like reward points in this credit card. I use net banking for making payments and there are no transaction issues. I have a credit limit of Rs 50000 in this credit card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I hold a credit card of SBI . The credit limit which SBI offered on my card is 40,000 and it was very much satisfactory . The customer service and responses was up to the mark. I hold simply save International card and I am getting 2000 reward points. To conclude, my overall experience was good and this card is very much recommendable.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with SBI.The credit limit was 50,000 which was satisfactory . The customer service and responses was up to the mark. I hold PRIME International card and I am getting reward points as benefits. My overall experience was excellent and Its recomendbale.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State bank of India.The limit on the card is 24,000.I pay an annual fees of 500 to hold this card.The card type is simply click.My only concern is once i make payment through online its realized only after two days. There is an annual fee which is applicable for this card which is rs 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 12, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My experience is too good with the State Bank of India credit card and the credit limit value could be get increased like its only 14000 Rupees. I have not experienced their customer service till now. Rest of the things are really fine one for me with the SBI credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 12, 2018
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