IRCTC SBI Platinum Credit Card

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Apply IRCTC SBI Platinum Credit Card

4.3

Reward Type

Travel

Joining Fee

500₹

Annual Fee

300₹

CHECK ELIGIBILITY

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Features

Welcome benefits

Get 1,500 Reward Points worth Rs. 1500 on payment of joining fee

Cashbacks & Rewards

10% Value Back as Reward Points for your IRCTC ticket Booking (for Android only) on AC1, AC2, AC3, AC CC
Earn 3 Reward Points per Rs. 125 spent on Dining and standing instructions on Utility spends
Earn 1 Reward Point per Rs. 125 spent on other non-fuel purchases
Earn 2,500 Reward Points on annual travel spends of Rs. 50,000
Earn 5,000 Reward Points on annual travel spends of Rs. 1,00,000
1 Reward Point = Rs. 1

Pricing

Joining Fees Rs. 1499
Annual fees Rs. 1499 (waived on annual spends of Rs. 2 Lakhs)

Documents Required

Passport size photo (coloured)
Proof of address (electricity bill, ration card)
Photo ID Proof (driving licence, voter ID)
Income Proof (IT Returns, Salary slip, Form 16)
A signed consent form.

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Overview of IRCTC SBI Platinum Credit Card

If you are a constant traveler by train, then you need IRCTC SBI Platinum Credit Card. You can redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. It has a flexible rewards redemption program. Read on to know more about IRCTC SBI Platinum Credit Card offers.

Quick Links To Handle Your SBI Credit Card

There are various procedures associated with the State Bank credit card. Here are some quick links to handle your State Bank credit card
State Bank Credit Card bill
SBI credit card balance
SBI credit card application status
SBI credit card offers
SBI Credit Card Eligibility
SBI customer care
SBI credit card netbanking

Key Features of SBI IRCTC Platinum Credit Card

1. Co-branded credit card with SBI and IRCTC

2. Welcome gift – 350 bonus reward points upon activation. Valid on spending Rs. 500 within the first 45 days of the issue of the card.

3. Get up to 10% value back on AC1, AC2, AC3, and AC CC train ticket bookings made through the IRCTC website.

4. Get 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at the official irctc website.

5. Railway Lounge Program – Get 4 complimentary railway lounge access in a year. Maximum 1 per quarter.

6. Avail of a 1% fuel surcharge waiver on transactions between Rs. 500 – Rs. 3,000.

7. Accepted both in India and abroad

8. Chip-enabled card for enhanced security

9. Zero lost card liability

10. Interest-free credit period of up to 50 days

11. Option to convert purchases into easy monthly installments

Key Benefits of SBI IRCTC Platinum Credit Card

1. Transaction charges waiver – Save 1% on transaction charges when you book railway tickets at the official IRCTC website through the SBI IRCTC Platinum credit card.

2. Visa offers – Get amazing offers on travel, golf, dining, and other entertainment options from visa.

3. Contactless advantage – The card is safe and secure as you do not need to swipe the card to execute a transaction. Simply wave the card to complete the transaction.

4. Fast and convenient – The wave option makes it very fast and convenient as the card doesn’t exchange hands.

5. Safe and secure – The transactions are safe and secure as the process is completely contactless.

6. Cash on the go – Get the facility of withdrawing cash from over 18,000 visa ATMs in India out of which there are 10,000 SBI ATMs across 100 cities in India.

7. Global Acceptance – You can use your SBI IRCTC Platinum credit card in over 29 million visa outlets worldwide and 3,25,000 outlets in India.

8. Add-on cards – You can get add-on cards for your family including parents, spouse, and children (above the age of 18).

9. Easy bill pay facility – You can use the easy bill pay facility to pay your utility bills like electricity, telephone, etc. You can also use the SBI IRCTC Platinum Credit card to pay your insurance bills.

10. Balance transfer on EMI – Avail of a lower interest rate when you transfer your other bank credit card’s balance to the SBI IRCTC platinum credit card. Pay back in easy EMIs.

11. Railway ticket booking – Avail of the facility to easily book your train tickets using an SBI IRCTC platinum credit card and get them delivered to your doorstep.

Fees and Charges for SBI IRCTC Platinum Credit Card

Type of Fee	Fees	Notes
Annual fee	Rs.500 + GST	-
Renewal fee	Rs.300 + GST	-
Add-on fee	NIL	-
Cash Advance fee	2.5% or Rs. 500	Whichever is higher
Cash payment fee	Rs. 250 + taxes	-
Cash advance finance charges	3.5% per month or 42% per annum	-
Dues between Rs.0-Rs.500	NIL	-
Dues between Rs.500-Rs.1,000	Rs.400	-
Dues between Rs.1,0000-Rs.10,000	Rs.750	-
Dues between Rs.10,000-Rs.25,000	Rs.950	-
Dues between Rs.25,000-Rs.50,000	Rs.1100	-
Dues above Rs. 50,000	Rs.1300	-
Overlimit fees	2.5% or Rs. 600	Whichever is higher
Payment Dishonor fee	2% or Rs. 500	Whichever is higher
Rewards redemption fee	Rs.99	-
Card replacement fee	Rs. 100 - Rs. 250	-
Credit limit increase fee	Rs. 200	-
Network change fee	Rs. 200	-
Cheque payment fee	Rs.100	-
Foreign currency transaction fee	1.99% - 3.5%	-
Processing fees on rental transactions	Rs.99	-

The Eligibility Criteria for SBI IRCTC Platinum Credit Card

Age	21-70 years
Nationality	Indian
Employment status	Salaried/Self-employed
Credit score	Higher the better

Documentation needed for SBI IRCTC Platinum Credit Card

Identity proof	Aadhaar card/Voter ID/Driving License/Passport/PAN Card
Income proof (Salaried)	Form 16/IT Returns/Salary slip
Income proof (Self-employed)	Proof of business ownership/proof of business continuity/Office address proof/Bank statements(last 6 months)/Audited financials (last 2 years)
Address proof	Aadhaar card/Voter ID/Ration Card/Passport/Telephone bill/Electricity bill/

The Process to redeem reward points of IRCTC SBI Platinum credit card

The reward points accrued on the credit card can be redeemed in the following ways -

1. Log in to the official IRCTC website using the registered username and password connected to your loyalty number.

2. While at the payment gateway, choose the “rewards point” option to pay for your IRCTC railway ticket.

3. Rewards redemption is only allowed on confirmed or RAC railway tickets booked for the following categories - 1st Class AC, Executive Chair Car, AC 2 Tier, AC 2 Tier, and AC Chair Car.

4. Note: Reward points can also be redeemed at Rs.1/reward point.

The Application Process for SBI IRCTC Platinum Credit Card

Apply for the SBI IRCTC Platinum Credit card via CreditMantri –

1. Click on “Check Eligibility”

2. Enter details like Email ID, Mobile Number, Residence city, Employment type, Residence, and Pin code

3. Click on “Submit”

4. You will get an OTP on the registered mobile number. Enter that.

5. Go ahead and complete the rest of the application.

Apply for the SBI IRCTC Platinum Credit card on the SBI Cards website –

1. Go to the SBI Cards website

2. Go to the “Credit Cards” section

3. Choose “SBI IRCTC Platinum Credit Card”

4. Click on “Apply Now”

5. You will need the scanned copy of the following documents – PAN Card, Photograph, Aadhaar number, Bank A/c details

6. Click on “Start Apply Journey”

7. Complete the rest of the application

Apply for the SBI IRCTC Platinum Credit Card Offline

You can walk into any branch of SBI with the required documents and fill out the form to apply for the Sbi Credit card. You can also apply by contacting customer care.

FAQs of SBI IRCTC Platinum Credit Card

1. Can I withdraw money from my SBI IRCTC credit card?

Yes, you can withdraw up to 80% of your credit limit.

2. Does the SBI IRCTC Platinum credit card give access to the railway lounge?

Yes, it does. You get up to 4 complimentary access in a year. Maximum 1 per quarter.

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