IRCTC SBI Platinum Credit Card Review Apply Now

IRCTC SBI Platinum Credit Card

Find the ideal mix of accommodation, rewards, and travel benefits with the IRCTC SBI Platinum Credit Card. For an ostensible joining charge of INR 500, appreciate benefits customized for incessant explorers and regular spenders the same. Procure 350 reward focuses with your most memorable exchange of INR 500, and keep piling up focuses for each INR 125 spent on non-fuel retail buys.

Appreciate up to 4 free rail route relax gets to every year and save with a 1% waiver on fuel overcharge. From helpful bill installments to elite travel offers, experience extravagance and reasonableness all moved into one card.

Category Features

Fuel ,Rewards , Travel

Recommended Credit Score


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  • Earn 1 reward point for every INR 125 spent on non-fuel retail purchases, which also includes railway ticket bookings on and the IRCTC Mobile App (Android only).
  • Benefit from a 1% discount on transaction charges for railway ticket reservations made on
  • Avail 4 complimentary railway lounge accesses annually at select lounges in India, with a maximum of 1 access per quarter.
APR Welcome Offer
42% annual percentage rate
  • Receive a bonus of 350 reward points by making a single transaction of INR 500 or above within the first 45 days of receiving the card. 
  • Note that this offer doesn’t apply to fuel and cash transactions.

Card Fee

Annual Fee Joining Fee Foreign Transaction Fee Fraud Liability
₹ 300 /- ₹ 500 /- 3.50% N/A

IRCTC SBI Platinum Credit Card Eligibility Criteria

21-65 Years 20000 300000 750-900
Minimum & Maximum age of the applicant Minimum monthly income TR(For Non-Salaried Person) Credit Score


IRCTC SBI Platinum Card Overview

Extraordinary Outing And Restrictiveness Anticipates With IRCTC SBI Platinum Card!

A card planned explicitly for the continuous explorer and the cutting edge high-roller, this is one of the most outstanding SBI bank Visas in India. Join and in a flash vibe invited with an endowment of 350 extra focuses on a humble spend of just INR 500 inside the underlying 45 days. This card makes your normal shopping and train appointments seriously fulfilling, giving you focuses for pretty much every buy.

Going on Indian Rail routes? Save more with exceptional proposals for AC train rides and stay away from extra internet booking charges. Besides, partake in a periodic extravagance of railroad lounges during your outings. Past movement, this card works on your everyday existence. With its simple tap highlight, you can make quick and safe installments. It’s perceived in endless spots in India and all over the planet.

With add-on cards, even your family can share the advantages. From covering bills effortlessly to dealing with your cash, this card has got you covered. Thus, experience the mix of accommodation and extravagance with the IRCTC SBI Platinum Card.

IRCTC SBI Platinum Credit Card Features & Benefits

Presenting the IRCTC SBI Platinum Credit Card, custom-made to upgrade your movement and day to day encounters. With a mix of comfort and unparalleled prizes, this is one of the most mind-blowing Credit Card in india. This card is your ideal ally for assorted monetary exchanges, which makes investment funds simpler and better. Thus, let us investigate the principal advantages of this card here.

IRCTC SBI Platinum Card Renewal Benefit 

Restoring your credit card ought not be an issue. With the IRCTC SBI Platinum Card, the recharging system is speedy and clear, permitting you to return to partaking in your card’s advantages in the blink of an eye.

. From the subsequent year, simply pay INR 300 and get your credit card recharged in the blink of an eye.            

IRCTC SBI Platinum Card Value Back Benefit 

For the individuals who habitually travel via train, the Worth Back Advantage is a unique advantage. With each train ticket buy, cardholders can acquire critical award focuses, making each outing really fulfilling.

. Buy tickets through or the IRCTC Portable Application (just for Android) for AC1, AC2, AC3, and AC CC to get up to 10% back in Remuneration Focuses.

. Interface your IRCTC SBI Card devotion number to your IRCTC record to utilize your Award Focuses on the IRCTC site and application (Android as it were).

. Beginning from 01 Apr’21, Award Focuses will move to the cardholder’s IRCTC Reliability account and can be utilized on the IRCTC site or application (just for Android).


IRCTC SBI Platinum Card Fuel Benefit

With rising fuel costs, all of saving counts. The Fuel Advantage of the IRCTC SBI Platinum Card guarantees that each time you top off, you get more incentive for your cash.

. Get a 1% waiver on fuel overcharge for all your fuel purchases.

. This is legitimate for exchanges from INR 500 to 3000 as it were.

. You can get up to INR 100 off in a charging cycle.

. GST is excluded from this proposition.


IRCTC SBI Platinum Card Railway Lounge Benefit

The excellent advantage of agreeable travel with the IRCTC SBI Platinum Card is concealed in its parlor access office. As a special cardholder, the hurrying around of railroad stations can now be a relic of times gone by. With admittance to choose premium rail line lounges across India, you can appreciate snapshots of peacefulness in the midst of your excursions. Unwind, re-energize, and relish the conveniences these parlors offer.

. Benefit from 4 free railroad relax gets to every year at select parlors in India. Keep in mind, just a single access is allowed per quarter.

. Try to utilize your IRCTC SBI Platinum Card to partake in the free parlor gets to.     

.  Keep in mind, the free rail line relax access is just for essential cardholders.


IRCTC SBI Platinum Card Additional Benefit

Be that as it may, the advantages don’t stop with movement and fuel. The IRCTC SBI Platinum Card comes loaded with a scope of extra advantages that take special care of different parts of your monetary life, making it a genuinely all encompassing monetary instrument.

. Get extra cards for relatives who are 18 or more seasoned.

. Transform buys over INR 2,500 into basic regularly scheduled installments.

. Benefit from additional insurance with the chip-and-pin framework.

. Oversee different bills with the Simple Bill Pay choice.

. Pull out cash from many Visa/MasterCard ATMs.

. Nonstop help for speedy card substitution.

. Use clean let loose installments for spending to INR 5,000.

. Select to move offsets with the EMI move choice.


IRCTC SBI Platinum Credit Card Railway Benefits

Travel savvy with the IRCTC SBI Platinum Credit Card. Appreciate select railroad advantages, from ticket limits to cutthroat rates on carrier appointments. Improve your excursions with customized travel bundles and agreeable inn stays across India. The principal helps that you will get with the best rail line Credit Card in India are as per the following:

. Partake in a 1% rebate on exchange charges while booking rail line tickets on the IRCTC site.

. For selective travel bargains, visit

. Buy carrier tickets through IRCTC and get cutthroat rates.

. Browse an assortment of custom travel bundles, from experience and natural life to journey and recreation visits across India.

. Access facilities at more than 5,000 lodgings spreading over 350 Indian urban areas


IRCTC SBI Platinum Credit Card Reward Benefits

Make the most of each and every buy with the IRCTC SBI Platinum Credit Card,, one of the most incredible award Credit Card, in India. Procure significant Prize Focuses on non-fuel retail spending, including railroad tickets by means of the IRCTC stage. In any case, guarantee your IRCTC faithfulness account stays dynamic to benefit of these places.

. Procure 1 Award Point for each INR 125 spent on non-fuel retail things. This incorporates rail line tickets purchased on the IRCTC site and its Android application.

.Note: Assuming your IRCTC dependability account is impeded, idle, or suspended, you will not get the Award Focuses in your SBI Card account.


IRCTC SBI Platinum Card Reward Redemption Benefit

Each exchange you embrace adds focuses to your count, ready to be traded for different tempting gifts. Something beyond a card, it’s your entry to a plenty of honors. As a champion among the best travel Mastercards in India, here are the recovery features:

. Trade your saved focuses for engaging gift vouchers, either on the entrance or utilizing the SBI card portable application.

. Would it be a good idea for you wish to change focuses over completely to cash, you can explore on the web or basically dial the help helpline


IRCTC SBI Platinum Credit Card Fees & Charges

Understanding the charges of the IRCTC SBI Platinum Card is fundamental to boost its advantages. We should separate the expense structure and related charges for this card, guaranteeing you have all the data you really want for shrewd monetary choices.

Cash Advance Limit: 2.5% or INR 500 (whichever is higher)

Over Limit Penalty: 2.5% or INR 600 (whichever is higher)

Minimum Repayment Amount: 5% or INR 200 (whichever is higher)

Late Payment Fees

  • Upto ₹500:  ₹0
  • From ₹501 to ₹1000: ₹400
  • From ₹1001 to ₹10000: ₹750
  • From ₹10001 to ₹25000: ₹950
  • From ₹25001 to ₹50000: ₹1100
  • Above ₹50000: ₹1300



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