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.
Welcome Offers
IRCTC Travel Offers
Rewards Program
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 |
| 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) |
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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Following the complaints received against vendors for overcharging food in trains, the IRCTC has introduced billing through Point of Sale (POS) machines.
Passengers on Indian Railways can now use credit cards and debit cards to buy food items during their journey.
In line with the decision, the IRCTC has provided most of its authorized caterers with the PoS machines for instant bill generation for food items purchased onboard trains.
About 2,200 machines have been arranged in the trains with pantry cars so far. In the next phase, 100 devices would be provided on 26 trains.
The ministry opined that the introduction of credit card and debit card payments would be an ideal solution for the problem of overcharging, and would also make buying food easier for the passengers.
2 February 2019
As reports about the denial of payment via the credit and debit cards of a few banks on the IRCTC website started doing the rounds, Indian Railway Catering and Tourism Corporation (IRCTC) has asserted that it is indeed accepting payments via the cards of all banks. A notification on the website of the IRCTC website has rubbished the reports of restrictions of some cards by the company.
Also, the Ministry of Railways took to Twitter to clarify that the reports are indeed misleading. It has seven active payment gateways for accepting credit card and debit card payments. It also facilitates direct integration with a few banks.
The e-ticketing company said that none of the seven payment gateways is rejecting payments through cards of any bank. But it’s true that additional costs would be charged for direct integration with banks.
8 October 2018
In order to promote cashless transactions, the Indian railways is offering a 5% discount for those who pay for their train tickets using the BHIM (Bharat Interface for Money) app or through UPI (Unified Payments Interface). As the country focuses on going digital, almost all transactions are cashless these days. Customers can book their trains tickets online and pay through either BHIM app or UPI to avail this discount. This offer is applicable for those choosing to pay through BHIM/UPI at the booking counter as well.
The railway department has also set-up POS machines to enable customers to pay for their train tickets using their credit or debit card. So far, "Indian Railways have tied up with State Bank of India to install 10,000 Point of Sale (POS) machines at various locations of Indian Railways i.e. Passenger Reservation System (PRS)/Unreserved Ticketing System (UTS) ticket booking counters and Parcel/Goods locations.
Also, the digitally booked reserved tickets booked constituted approximately 66% of total reserved tickets booked in financial year 2017-18 as compared to approximately 60% in FY 2016-17
7 September 2018
Piyush Goyal, the Union Railways Minister and Devendra Fadnavis, the Chief Minister of Mumbai, met recently to discuss and approve National Mobility Cards in India. These cards will greatly help travelers to pay their travel-related bills. The card will allow its holders to make use of the card on all sorts of public transport including local trains, buses, metro, monorail etc.
In addition, these cards can also be used as a debit or credit card. MMRDA will be responsible for introducing these cards in the country whereas Mumbai Rail Vikas Corporation is coordinating for the Indian Railways.
And while the tenders for such cards are now in the finalization stage, it is expected to be available for public use within a year.
30 August 2018
SBI Card in collaboration with IRCTC announced is offering IRCTC SBI Platinum Card. The card offers 350 reward points, transaction fee waiver, fuel surcharge waiver and other value back offers on railway bookings.
Customers using IRCTC SBI Platinum Card can get up to 10% cash back on AC- 1 Tier, 2 Tier bookings made through IRCTC.
Booking railway tickets on IRCTC website using the card will relieve them from paying the additional 1.8% transaction fee waiver.
For every Rs.125 spent using the credit card, users can earn one reward point. The points can be redeemed on IRCTC website for rail ticket purchases.
Cardholders can also avail fuel surcharge waiver on fuel purchases at all the petrol pumps in India for a minimum transaction of Rs.500 up to Rs.3,000.
The IRCTC SBI Platinum Card is powered by VISA which offer special discounts on travel, gold, dining and movies.
17 May 2018
For people who travel often, the Indian Railways Catering and Tourism Corporation (IRCTC) has now launched a new feature, in which a customer can get up to 10% cashback on their ticket booked for AC class. But there's a catch to it. To avail this discount, the customer should make the payment using an IRCTC SBI Platinum Card. Only then the individual will be eligible for the cashback offer. IRCTC has introduced this offer as a tie-up with SBI that has been launching new facilities for passengers travelling by trains for quite a few months now. This is their latest offering along with letting passengers earn reward points on AC class tickets.
On their Twitter account named @IRCTCofficial, the Indian Railways e-ticketing platform announced, "Frequent #train #traveler? Presenting #IRCTC #SBI Platinum #Credit #Card. Book ticket using IRCTC SBI Platinum Card and get up to 10% value back as Reward Points, applicable for AC class.” To earn these reward points, the customer will have to log on to the official website of IRCTC or download the app on their mobile phone. IRCTC SBI Platinum Card is a travel card and it can be used in more than 29 million Visa outlets across and 3,25,000 outlets in the country.
3 May 2018
The Indian Railway Catering and Tourism Corporation (IRCTC) charges a fee called Bank Transaction Charges for most ticket bookings done from its web portal through credit card, debit card or net banking. The amount ranges from Rs.10 per transaction to 4% of the total amount transacted. The BTC fee is not shown on the main page while buying the tickets but it is calculated before IRCTC transfers the process to the designated bank’s payment gateway. While payments made through the net banking portal of leading banks like SBI, Oriental Bank of Commerce, and HDFC is charged an additional Rs.10 plus the GST, there is no additional charge on net banking done through banks like South Indian Bank, IDBI Bank, City Union Bank, Karur Vysya Bank, Bank of Maharashtra, and IndusInd Bank.
The BTC on domestic credit cards is generally 1.8% plus GST except for a few banks such as Axis Bank where a charge of 1.8% plus GST is levied on the transaction amount. For international credit cards, the charged levied is 4% of the transaction amount. For domestic MasterCard or Visa cards of HDFC Bank, Axis Bank, or Citibank debit cards no transaction charged is applied. However, if the transaction is done through ICICI debit card an extra charge of 0.25% to 1% plus GST is levied for amounts above Rs.1000 and Rs.2000 respectively.
The Indian Railway Catering and Tourism Corporation (IRCTC) charges a fee called Bank Transaction Charges for most ticket bookings done from its web portal through credit card, debit card or net banking. The amount ranges from Rs.10 per transaction to 4% of the total amount transacted. The BTC fee is not shown on the main page while buying the tickets but it is calculated before IRCTC transfers the process to the designated bank’s payment gateway. While payments made through the net banking portal of leading banks like SBI, Oriental Bank of Commerce, and HDFC is charged an additional Rs.10 plus the GST, there is no additional charge on net banking done through banks like South Indian Bank, IDBI Bank, City Union Bank, Karur Vysya Bank, Bank of Maharashtra, and IndusInd Bank.
The BTC on domestic credit cards is generally 1.8% plus GST except for a few banks such as Axis Bank where a charge of 1.8% plus GST is levied on the transaction amount. For international credit cards, the charged levied is 4% of the transaction amount. For domestic MasterCard or Visa cards of HDFC Bank, Axis Bank, or Citibank debit cards no transaction charged is applied. However, if the transaction is done through ICICI debit card an extra charge of 0.25% to 1% plus GST is levied for amounts above Rs.1000 and Rs.2000 respectively.
26 April 2018
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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.
