SBI IRCTC Platinum Credit Card comes with various benefits. It is usually more attractive for those who want travel benefits as this card provides various discounts and reward points on booking of tickets.

Moreover you can use this card for daily transactions as well. It is a SBI popular credit card and it is globally accepted by over 29 million visa outlets.

In the following paragraphs we have explain its benefits, charges and how to apply with complete detail review:


    What are the features and benefits of SBI IRCTC Platinum Credit Card? 

    Reward Points

    SBI IRCTC Platinum Credit Card comes with various exciting reward points which make this card attractive in the eyes of customers.

    Following are the benefits in the form of reward points are given:


    Welcome Benefits

    • If you have done a single transaction of Rs.500 or more within the first 45 days of issuance of this card then you will get 350 bonus reward points as welcome benefits.
    • Along with the above in the welcome benefits, if you withdraw cash from an ATM within 30 days of receiving this credit card then you can get Rs.100 cashback.
    • These reward points will be credited within 45 days in your credit card account. (Here 1 reward point is equal to Rs.1)


    Other Reward Benefits

    • On every spent of Rs125 on non-fuel retail purchases you will get 1 reward point.
    • Reward points for non-fuel retail purchases also include purchases of railway tickets at website and IRCTC mobile app (for Android users only).


    Travelling benefits

    If you buy tickets for AC1, AC2, AC3 and AC Chair Car through website and IRCTC mobile app (for Android users only) then you can earn value back benefits of up to 10% as reward points.

    If you are booking railway tickets via then you can save 1% transaction charges.


    Fuel Surcharge Waiver

    By using SBI IRCTC Platinum Credit Card, if you make the fuel transactions between Rs.500 and Rs.3000 then for every such transaction you will get fuel surcharge waiver of 1%. But maximum waiver can be of only Rs.100 per month.


    Easy to use

    With the contactless facility this card is very easy and safe to use. You can use this card in daily transactions like bill of electricity, telephone, mobile bill & insurance premium etc. Moreover you can withdraw cash from over 1 million visa ATMs globally.


    Low Joining and Annual (Renewal) Fee

    SBI IRCTC Platinum Credit Card charge very low charges on:

    • Joining fee – Rs.500 (One-time payment)
    • Annual (Renewal) fee – Rs.300 annually


    Balance Transfer Facility

    This card also provides you facility of outstanding balance transfer, where you can transfer your outstanding credit card balance of other banks into SBI IRCTC Platinum credit card and start paying EMI at very low interest.


    EMI - Flexipay EMI facility

    For transactions of Rs.2500 or more with SBI IRCTC Platinum Credit Card, you can convert your purchase transaction into monthly EMI’s and pay the dues with ease.


    Add-on Card

    The credit card also provides an add-on card facility where you can add on your family member's parents, spouse, children or siblings above the age of 18 years. There are no add-on charges for this card.


    Other Benefits

    • You can avail accommodation over 5000 hotels.
    • You can get various packages of tours in India for adventure, wildlife, pilgrimage, and any other leisure tours.
    • It also provides great offers on travel, gulf, dining and other entertainment options from visa card.

    Also Read: SBI Unnati Credit Card (Benefits & Limit) – Review

    What are the fees and charges of SBI IRCTC Platinum Credit Card?




    Joining fee


    Annual Fee / Renewal Fee

    Rs.300 Annually

    Add-On Charges



    What is the eligibility criterion of SBI IRCTC Platinum Credit Card?

    SBI provides credit cards after taking into consideration various factors including your credit score.

    Anyone can apply for this card whether he is salaried or self-employed. You need to submit certain documents which are required and demanded by the branch.

    For knowing you are eligible for this card you need to reach the nearest SBI branch. The SBI officer will check your income, CIBIL score etc. and then issue you a credit card.

    Also Read: SBI BPCL Octane Credit Card Benefits & Charges – Review


    What are the documents required for SBI IRCTC Platinum Credit Card?

    Following are some common documents which are demanded when you are applying for credit card:

    Identity Proof

    PAN card, Aadhar Card, Passport, Voter ID etc. (Any one)

    Address Proof

    Aadhar card, Passport, Electricity Bill etc. (Any one)

    Income Proof

    ITR, Form 16, Salary slips, Bank statements etc. (as demanded by bank)

    Branch may demand additional documents if they are required.


    How to apply for SBI IRCTC Platinum credit card (online/ offline)?

    You can apply for this card online as well as offline. If you want to apply online then you can visit SBI official website and apply on it.

    Otherwise you can also approach the nearest SBI branch and enquire for the same. They will check your eligibility and demand certain documents. After filling the application form they provide you with a credit card.

    Also Read: SBI Landmark Credit Card (Prime, Select & Base Variant) - Review



    SBI IRCTC Platinum Credit Card is very easy and convenient to use. It provides various reward points benefits over limits. Moreover, discount on ticket bookings as travel benefits makes this card more attractive to buy. There are also some nominal charges for issuance of this card.

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