
IRCTC SBI Platinum Card
Rewards & Benefits
Welcome Benefits
Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
Milestone Benefits
Cashback Rate
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points.
1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
INR 500 + Taxes.
Annual Fee
INR 500 + Taxes.
Cash Advance Fee
Cash Advance fees: 2.5% or Rs. 500.
Interest rate
3.50% per month (42% per annum) from the transaction date.
Late Payment Fee
Late Payment charges: 0 to 1300.
Foreign Currency Transactions Fee
3.5
Other Fees
Renewal Fee (per annum): INR 500 + Taxes. | Reward Redemption Fees: INR 99/- per redemption.
Cons
Low general cashback rate.
No free movie tickets.
No free airport lounges visits.
Welcome Benefit: Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
Reward System: On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%
Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter).
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online: This is the faster and more convenient method:
Visit the SBI Card website: Head to the official SBI Card website.
Navigate to the IRCTC SBI Card Platinum page: Find the "Personal" category and choose "Shopping" as the sub-category.
Click "Apply Now": Look for the prominent "Apply Now" button on the card page.
Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.
Review and submit: Carefully review the application details.
Await decision: You'll receive an instant preliminary decision based on the information provided.
2. Offline: This method involves visiting a SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the IRCTC SBI Card Platinum.
Fill out the application form: A bank representative will assist you with the form and guide you through the process.
Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.
Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.
Contact Details
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
Account Opening and Procedure



Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get 350 activation bonus reward points on a single transaction of INR 500 or more within 45 days of card issuance.
Reward System: On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on INR 125 on all other spends. Effective general cashback rate: 0.8%
Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter).
Low general cashback rate.
No free movie tickets.
No free airport lounges visits.
Card's main benefit is that it offers 10% discount on AC1, AC2, AC3, executive chair car and chair car. Card otherwise has limited utlity for non-train travelers.
Card's main benefit is that it offers 10% discount on AC1, AC2, AC3, executive chair car and chair car. Card otherwise has limited utlity for non-train travelers.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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