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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.

    We found 1 SBI IRCTC Platinum Credit Card
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    1st Year Fee
    Rewards
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    500
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    SBI IRCTC Platinum Credit Card is Rated as "Excellent!" by 198 Users

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    Credit Card BYTES FROM OUR KITCHEN

    Designed by the well-known artist, RK Laxman, the IRCTC SBI Platinum Card adds a stroke of aesthetic flavour 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 like never before, with 10% value backs, rewards points, exciting offers, transaction fee waivers and much more.

    Benefits of IRCTC SBI 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 - IRCTC SBI 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. Earn one reward point for every Rs.125 spent on railway ticket purchases.
    • 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 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 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. 

    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 IRCTC SBI 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 for IRCTC SBI Platinum Card

    • 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 IRCTC SBI Platinum Card:

    Annual Fee/Renewal Fee

    Rs.500

    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 / max. Rs.12,000 per day

    Free Credit Period for cash advance

    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.

    How to apply for SBI IRCTC Platinum Card

    You can apply for the IRCTC Platinum Card in two ways – online, offline.

    To apply for the card online follow the steps mentioned below:

    • Visit SBI Card official website
    • Go to IRCTC SBI Platinum Credit Card page (https://www.sbicard.com/en/personal/credit-cards/travel/irctc-sbi-platinum-card.page)
    • Find ‘Apply Now’ section
    • Enter the required details such as name, mobile number, and e-mail ID and click on ‘I want to apply now’ button

    Your interest to apply for SBI IRCTC Platinum Card will be instantly sent to the bank. Once the bank receives the request, an SBI representative will approach you on your phone or e-mail. Once your eligibility for the card is verified, you will be informed about the application process. Follow the same to apply for the card.

    Alternatively, you can also visit your nearest SBI Bank branch to submit the filled-in application form for the IRCTC SBI Platinum Credit Card.

    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?

    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
      "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
    • SBI Cards Credit Card
      "Poor Service"
      0.5 3.0/5 "Satisfactory"
      I've bought the IRCTC SBI PLATINUM CARD online. When I use the card for Ticket booking, Credit card payment section the option for SBI is not there, the limit is good for you and so far it has been a good experience with the card and their services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 24, 2018
    • SBI Cards Credit Card
      "Below avergae"
      0.5 2.0/5 "Expected more"
      I Got my Irctc platinum sbi card and started using it for last b6 months . Am satisfied with the credit limit which they have provide . There is annual charge for the card which gets waived off after using certain limit .I am using this card for shopping purpose and cash back offers . AM not satisfied with their customer service and response .
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've bought the IRCTC SBI PLATINUM CARD. There are offers for railway tickets booking through IRCTC but haven't checked them out. The credit limit is fair. So far the services has been good. I'll have to wait and see how it turns out for my requirements.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2018
    • SBI Cards Credit Card
      "Hassle service"
      0.5 1.0/5 "Really Bad"
      I've bought the IRCTC SBI PLATINUM CARD Online, I was unable to connect my Royalty Points. Took a lot of time to solve it. When I was trying to connect the points the phone is different,
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2018
    • SBI Cards Credit Card
      "Good. Can do better in the limit"
      0.5 5.0/5 "Blown Away!"
      I have taken a IRCTC credit card with State bank of India. The process and customer services are good and there are no hassles. There is a joining fee of 499 which got reversed. There are rewards which can only be used on railway tickets. The major drawback is the credit limit which they have provided is too low and does not match my status.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2018
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI. I am not satisfied with annual fee it is 500rs. Customer service is fine and they responded on time. They offered me 276000 of credit limit and it is very low. I use this credit card for multipurpose. So far my experience is good with SBI.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 02, 2018
    • SBI Cards Credit Card
      "Unhappy with the card"
      0.5 2.0/5 "Expected more"
      SBI has offered me a IRCTC platinum credit card. I am now facing some issues as they were not clear about the annual fee. I was told that there would be only a joining fee of 599, after which they have charged a annual fee too. I am unable to book the sleeper class ticket and I am allowed to only book the AC class. To use the reward points, I need to create a ID and the points can be redeemed only for the AC class. I have used 30K at a Store and I was charged 22% of interest for a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 02, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I was looking for a card which has not been having any charges. The process in getting the card has been easy and smooth and easy, and the credit limit with the card has been currently satisfied. I am expecting it to be increased in the near future, and i have started using the card for shopping and all other purchases.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 31, 2018
    • SBI Cards Credit Card
      "Don't use the card"
      0.5 5.0/5 "Blown Away!"
      In SBI, customer care service is very good. There is no charges in SBI credit card. They are not accessing the credit card details correctly. They have deducted money from my card. I have called the customer care service issues. After the many follow up, they have credited money. While I'm speaking with customer care, they used to disconnects the call. Most of they will not attend the call. Redemption of rewards points in SBI is not good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 30, 2018
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