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IRCTC SBI Platinum Card

67.5

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

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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Fees & Charges
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