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IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card


Earn ₹1800 Cashaly Rewards

Annual Fee ₹ 500/-

Joining Fee ₹ 300/-

The IRCTC SBI Platinum Card was developed in partnership with IRCTC and offers a range of travel benefits at a discounted yearly rate to its members. There are several advantages to this card, particularly when booking train tickets. Additional benefits, including those for petrol, are also included with the SBI IRCTC Credit Card.

Written By : Cashlay Advisor

Cashaly Rewards T&C

Rewards Tracked Within:72 Hours
Rewards Paid: Within 60-65 Days Of Card Disbursal
No Rewards Are Applicable If The Applicant's Mobile Number Is Changed During The Application.
No Rewards Are Applicable For Existing IRCTC SBI Platinum Credit Card Holders
If You Apply For A Different Card Upon Redirecting You Will Be Eligible For The Rewards Rates Applicable To The Card Applied. For More Information Check The Details Of The Applied Card On Cashaly
Missing Rewards: Accepted
Rewards Will Be Provided In The Cashaly Account Not In SBI Bank Application.
Referral Earning Is Not Applicable On This Offer.
Do Not Visit Any Other Coupon Or Deal Site After Clicking Out From Cashaly.
Do Not Use A Referral Code While Applying For The Card.
No Rewards Are Applicable If You Cancel The Application.
Fraudulent Activity Will Lead To The Cancellation Of The Rewards. Cashaly's Decision Will Be Final In This Case.
If Your Rewards Do Not Track, Raise A Missing Cashback Query Within 30 Days From The Application Date.
Rewards Can Only Be Redeemed In Bank Account Through UPI.
Please Send Rewards Related Queries To Cashaly Only, Not To SBI Bank


Age: 21 years to 70 years

Occupation: Salaried or Self-Employed.

Recommended Credit Score

Min 750

Welcome Offer

  • Within 30 days of obtaining the card, receive Rs 100 cashback on your first ATM cash withdrawal.
  • After 45 days of card activation, complete a single transaction for Rs. 500 to receive 350 activation points.

IRCTC SBI Platinum Credit Card Features

A maximum of ₹100 per statement cycle will be waived for fuel surcharges on transactions between ₹500 and ₹3000 at all petrol outlets in India.
If you book train tickets from the IRCTC website, you will save 1% on transaction fees (not including GST and other fees).
Receive up to 4 complimentary passes to select Indian railway lounges every year; one pass may be used per quarter.
Get 1 reward point for every Rs 125 spent on retail transactions other than fuel, which includes purchasing train tickets.

Expert Review

Our Expert Review

The IRCTC SBI Platinum Card provides a number of travel incentives and privileges in association with IRCTC. It is intended to offer value addition to reservations for trains, lounge access, and other services. This card is a great option for those who often travel on trains in India as it just costs Rs 300 annually and Rs 500 to enrol. A few further benefits are easy ways to pay bills and reduced railway transaction fees.


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What are the benefits of IRCTC SBI Platinum Credit Card?

For those who travel by train frequently, the IRCTC SBI Platinum Credit Card offers a plethora of unique perks and advantages. Along with considerable reductions on other expenses, cardholders receive accelerated reward points when they book railway tickets through the IRCTC website. Along with fuel surcharge waivers and a host of other lifestyle benefits, the card also provides free access to train lounges, making it a valuable asset for all users. This credit card's total value proposition is further enhanced by the fact that reward points can be exchanged for a variety of travel and lifestyle benefits.

IRCTC SBI Platinum Credit Card Welcome Benefit

  • After 45 days of the card's issue, receive 350 bonus reward points for activation when you make a single purchase of Rs. 500 or more.
  • After you receive the card, you can get Rs 100 cash back on your first ATM cash withdrawal made within 30 days.
  • As soon as the card is issued, the first transaction must be completed within 45 days for any benefits.

IRCTC SBI Platinum Credit Card Additional Benefits

If you're looking for more perks than just travel discounts, the IRCTC SBI Platinum Credit Card is a good option. The IRCTC SBI Platinum Credit Card may come with the following additional features:

  • Get 4 free passes to the railway lounge each year. (Maximum one each quarter)
  • Avoid paying the 1% fuel surcharge on transactions between Rs. 500 and Rs. 3,000 at any fuel station in India.
  • Earn 1 Reward point for each Rs. 125 spend on retail items that are not fuel-related.
  • Reduce transaction fees of 1% when booking train tickets via the IRCTC website.
  • Choose from more than 5,000 hotels spread across 350 Indian cities.
  • Purchase tickets for the AC1, AC2, AC3, Executive Chair Car, and Chair Car via the IRCTC website and app and receive up to 10% in cashback in the form of Reward Points.

IRCTC SBI Platinum Credit Card Renewal Benefits

The IRCTC SBI Platinum Card renewal process is simple and fast, so you can quickly resume taking advantage of your card's benefits. Simply pay Rs 300 to have your credit card renewed starting in the second year.

How to apply for the IRCTC SBI Platinum Credit Card?

To apply for SBI Credit Card, take the actions listed below:

  • Check out the website of SBI Bank.
  • Search for the Credit Card page to know the details of the card.
  • After selecting the card you want to apply for, select "Apply now."
  • Complete the necessary fields and submit the application.

The SBI card team will contact you for verification if your application is accepted.

How to redeem reward points of IRCTC SBI Platinum Credit Card?

SBI clients can use the procedure listed below to redeem their accrued reward points.

  • Use the password and registered username associated with your loyalty number to log in to IRCTC.
  • At the payment gateway, select the reward points option to pay for your new train ticket.
  • Only confirmed or RAC railway tickets for 1st Class AC, Executive Chair Car, AC 2 Tier, and AC Chair Car are eligible for reward redemption.

Benefits Of IRCTC SBI Platinum Credit Card Contactless Payments

Using the IRCTC SBI Platinum Card to make daily purchases is now simple. To complete your transaction, just wave your card over a secure reader. It's really convenient, quick, and simple.

Speed and Convenience - By just tapping their card on the POS machine, users of the IRCTC SBI Platinum Credit Card can complete purchases more quickly and easily with contactless payments.

Security - The card never leaves the user's hand during a contactless transaction, adding an extra degree of security and lowering the possibility of card loss and fraud via counterfeit cards. The special security feature of Visa payWave ensures that only one transaction is processed, making it more secure even if the card is waved at the reader several times.

IRCTC SBI Platinum Credit Card Rewards & Redemption

Whenever you use your IRCTC SBI Platinum credit card for retail transactions (except fuel), you will receive 1 Reward Point. One reward point equals Re 1. When booking railway tickets on IRCTC, you can also receive up to 10% Value Back in the form of Reward Points. This promotion is limited to the AC1, AC2, AC3, and AC CC categories. These reward points can be redeemed on the IRCTC website when purchasing next train tickets.

IRCTC SBI Platinum Credit Card – Fees and Charges

To fully profit from the IRCTC SBI Platinum Card, one has to understand its charges. Let's examine the fee schedule and related costs for this card.

Annual Fee Rs. 500
Renewal Charges Rs. 300
Finance Charges Up to 3.50% per month [42% per annum]
Cash Payment Fee Rs.250 + taxes
Missed Payment Charges Rs.100
Late Payment Charges
  • Upto Rs 500: Rs 0
  • From Rs 501 to Rs 1000: Rs 400
  • From Rs 1001 to Rs 10000: Rs 750
  • From Rs 10001 to Rs 25000: Rs 950
  • From Rs 25001 to Rs 50000: Rs 1100
  • Above Rs 50000: Rs 1300

Eligibility Criteria & Documents Required For IRCTC SBI Platinum Credit Card

There are a few requirements you must meet in order to apply for the IRCTC SBI Platinum Credit Card.

  • It is necessary to be at least 21 years old.
  • Regular source of income, whether the individual is self-employed or is salaried.
  • One should ideally have a credit history and a respectable credit score of at least 750.

In order to apply for an IRCTC SBI Platinum credit card, the following documentation is required:

  • Identity Proof - Voter ID card, driving licence, PAN card, and Aadhar card.
  • Address Proof - Utility bills on the name of the applicant for credit card issuance, Aadhar Card, Driving License, Voter ID Card, Passport.
  • Income Proof - Bank statements or salary slips from the previous three months. You may also provide evidence in the form of an ITR or Form 16.

What is the process of setting the IRCTC SBI Platinum Credit Card transaction password?

Follow these steps to create or change your IRCTC SBI Platinum Credit Card transaction password:

  • By selecting "Please set your Transaction Password" after logging in, the cardholder can change their transaction password.
  • The cardholder must input their login password and registered email address.
  • Enter the OTP that was delivered to the registered mobile phone, then follow the instructions to create a new password.
  • The cardholder will receive a confirmation after providing the necessary details.

How do I check my IRCTC SBI Platinum Credit Card balance?

There are several methods that you can check the balance on your credit card:

SMS - Type BAL (space) and the final four credit card numbers, then send the message from your registered mobile phone to 5676791.

Netbanking - Check the available balance in the "accounts summary" section of your netbanking account by logging in.

Missed call service - Using the registered mobile phone, you can make a missed call to 8422845513. You will get an SMS on your phone with your credit card balance shortly.


1. How can I redeem the IRCTC SBI Platinum Credit Card reward points?

Once your IRCTC login ID and SBI Card loyalty number are linked, you can redeem these reward points. Through the IRCTC website or Android mobile app, reward points can be redeemed online.

2. For how long IRCTC SBI Platinum Credit Card reward points are valid?

The reward points associated with the IRCTC SBI Platinum Credit Card will expire within 3 years from the date of membership registration.

3. Can we convert SBI credit card reward points to cash?

Yes, you can email the SBI customer care team or call 1800 180 1290 to convert your IRCTC SBI Platinum Credit Card reward points to cash.

4. What are the benefits of having an IRCTC SBI Platinum Card?

The preferred credit card for travellers is the IRCTC SBI Platinum card. You can get savings on flight and train tickets from the IRCTC official website by using this card. You also get other travel deals, a welcome bonus, a waiver of the fuel surcharge, and transaction waivers.

5. What is the value of 1 IRCTC SBI Platinum Credit Card reward point?

The value of 1 IRCTC SBI Platinum Credit Card reward point is Rs 1.

6. How to link your IRCTC SBI Card loyalty number with IRCTC login id?

Following the activation of your IRCTC SBI Card, you can link your 11-digit loyalty number. As soon as you make your first purchase with your IRCTC SBI card or pay with it, your card is active. Please link your loyalty account five days following activation.

7. What is the customer care number for IRCTC SBI Platinum credit card?

To speak with customer support agents, please call 1800-180-1295 or 39021212.

Earn ₹1800 Cashaly Rewards