About SBI IRCTC Platinum Credit Card
SBI IRCTC Credit Card is a travel credit card offered in partnership with IRCTC, designed for users who frequently travel by train. This SBI Credit Card offers good value-back on railway ticket bookings made through IRCTC, along with benefits like railway lounge access and waiver on transaction charges for train bookings.
In addition to travel benefits, cardholders can also earn rewards on regular retail spends, making it useful for everyday use as well. If you prefer train journeys over flights and want a low annual fee card, this can be a suitable option.
SBI Card also offers a premium variant—IRCTC SBI Premier Credit Card—which comes at a higher annual fee but provides better savings and additional travel benefits. Users willing to pay more can consider upgrading for enhanced features.
The SBI IRCTC Platinum Credit Card is a travel card from State Bank of India in partnership with IRCTC. It gives special benefits and extra discounts on railway ticket bookings. The card also offers deals in other areas like fuel purchases.
SBI IRCTC Platinum Credit Card Rewards Program
Reward Points:
- Earn 1 reward point for every Rs. 125 spent, including railway ticket purchases on the IRCTC website or app.
How to Redeem Reward Points:
- Log in to your IRCTC account linked to your SBI card.
- Choose the reward points option when paying for your railway ticket.
- Points can be used only for confirmed or RAC tickets in specific classes like 1st Class AC, Executive Chair Car, AC 2 Tier, and AC Chair Car.
- Each reward point equals Rs. 1.
Important Rules:
- Reward points cover the full ticket fare, including IRCTC service charges.
- Points can’t be redeemed for single passenger fares; they must cover the total fare for all passengers.
- If you don’t have enough points, you can buy them at Rs. 1.50 per point plus taxes.
- When you cancel a ticket paid with points, only the points are refunded, not cash.
Also Read: Best Credit Cards in India
Other Features and Benefits
Welcome Benefits
- Get 350 bonus reward points (worth ₹350) on your first transaction of ₹500 or more
- Get ₹100 cashback on your first ATM withdrawal within 30 days
Travel Benefits
- Earn 10% value-back on AC class train bookings via IRCTC
- Get 1% discount on all railway ticket bookings
- Enjoy special offers on flight bookings via IRCTC
Also Check: Best Travel Credit Cards
Railway Lounge Benefits
- Get 4 complimentary railway lounge visits per year (1 per quarter)
Fuel Benefit
- Get 1% fuel surcharge waiver on spends between ₹500–₹3,000
Also Read: Best Fuel Credit Cards
Other Features
- Save 1% transaction charges on railway bookings
- Use contactless payments for quick transactions
- Convert spends above ₹2,500 into EMIs via Flexipay
- Balance transfer option available for easy repayment
- Accepted at 325,000+ outlets in India and 29 million globally
- Withdraw cash from 1 million+ ATMs worldwide
- Add-on cards available for family members
- Get additional offers on dining, golf, travel and entertainment
Also Read: Best Fee Waiver Credit Cards in India for 2026
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 500 + Taxes |
| Annual Fee | Rs. 500 + Taxes |
| Finance Charges | 3.50% p.m. | 42% p.a. |
| Late Payment Charges | | For Statement Balance: | | | Less than Rs. 500 | Nil | | Rs. 500 to Rs. 1,000 | Rs. 400 | | Rs. 1,000 to Rs. 10,000 | Rs. 750 | | Rs. 10,000 to Rs. 25,000 | Rs. 950 | | Rs. 25,000 to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI IRCTC Platinum Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
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Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI IRCTC Platinum Credit Card Highlights
What do we like about this card?
- 350 bonus reward points on first transaction of Rs. 500+
- 10% value back on AC1, AC2, AC3, and AC Chair Car railway ticket bookings via IRCTC
- 4 complimentary railway lounge visits per year
- 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000
- Balance transfer and Flexipay options available for easier payment management
Things to Know Before you apply
Get this card if:
- You often travel by train and want to save on your train ticket expenses
- You don’t need rewards or benefits on other types of spending
- You want a travel credit card with a low annual fee
Pros
- Low annual fee travel credit card
- Great value on train ticket bookings via IRCTC
- Complimentary access to railway lounges
- No transaction fees on IRCTC railway ticket bookings
Cons
- Rewards limited only to train travel expenses
- Base reward rate is low at 0.8%
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
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Frequently Asked Questions
The card has a joining fee of ₹500 + GST and an annual fee of ₹300 + GST from the second year onwards.
The Platinum card is the base variant with lower fees, while the Premier variant comes with a higher annual fee but offers extra benefits like dining rewards and bonus points. Choose based on your spending needs and usage.
Yes, you can earn up to 10% value-back as reward points on ticket bookings made through the IRCTC mobile app.
No, reward points cannot be redeemed as cash or statement credit. You can use them for IRCTC bookings at a 1:1 ratio after linking your IRCTC loyalty number to your account.
No, this card does not provide any complimentary airport lounge access.
