IRCTC SBI Platinum Credit Card: Eligibility, Benefits, Annual Fee & Charges

SBI and IRCTC have tied up with each other to launch the IRCTC SBI Platinum Credit Card. IRCTC is IRCTC is an acronym for Indian Railway Catering and Tourism Corporation. It is a public sector undertaking company owned by the Indian Government via the Indian Railways. IRCTC offers various services to the travelers such as ticketing, catering, and more on trains and railway stations. The individuals who book train tickets via IRCTC SBI Platinum credit card can get a lot of benefits and rewards. Here is everything you need to know about the IRCTC SBI platinum card, its benefits, and more. Just go through the IRCTC SBI platinum credit card review.

IRCTC SBI Platinum Credit Card
IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card

The State Bank of India has launched the SBI IRCTC Platinum Credit Card in partnership with IRCTC. This SBI Credit Card comes with copious travel benefits and features to the cardholders. The users can get abundant travel benefits at a minimal annual fee. Besides this, the customers can get various cashback benefits upon booking tickets via IRCTC and also acquire rewards on some other purchases. There are several welcome benefits, fuel surcharge offers, rewards, and many travel benefits. To access the SBI IRCTC Platinum card benefits, the customers need to know the application procedure. Before heading to the procedure to apply for the card, just get to know the IRCTC SBI Platinum card eligibility details in this post. 

IRCTC SBI Platinum Card Eligibility

For the customers seeking to apply for the SBI IRCTC Credit Card, the cardholders need to know the eligibility criteria. The customers must have a good credit score [at least above 750] to become eligible for the application for an IRCTC SBI Platinum credit card. Besides this, we furnished the remaining eligibility conditions in this post.

  • The age of the applicant must range between 18 and 60 years.
  • The applicants who are either salaried or self-employed can apply for a credit card.
  • The income of the salaried employees must be Rs. 20000 per month. The income of self-employed individuals must be Rs. 30000 per month.

The executives will verify your income limit at the time of applying for the SBI Platinum credit card.

SBI IRCTC Platinum Credit Card Features and Benefits

Here are some of the IRCTC SBI platinum credit card features and IRCTC SBI platinum card benefits. Once the customer acquires the credit card, he/she can utilize unlimited rewards and a plethora of benefits. Get to know the Privileges and exclusive benefits of the IRCTC SBI Platinum Card. Check it out!

1. Welcome Benefit

On the first successful transaction of Rs. 500 or more, the cardholders will get a bonus reward points of 350 within 450 days of the card issuance. After receiving the credit card, within 30 days of the card activation, the first withdrawal done at the ATM will give you a cashback of Rs. 100.

2. IRCTC Travel Benefit

By booking a railway ticket from the official website of IRCTC, the cardholder will get a 1% discount. 1% transaction charges will be waived on your railway ticket bookings. If you purchase your railway tickets through or IRCTC mobile app for ACI, AC2, AC3, and AC CC, you can get up to 10% value back as reward points.

3. Reward Points

On every expenditure of Rs. 125 i.e., on non-fuel retail purchases, railway tickets [at], and more, the customers can get 1 reward point. For instance, if you book railway tickets worth Rs. 5000, you will receive 40 reward points. 1 Reward Point = Rs. 1. It means, you will receive the benefit of Rs. 40. The cardholders can redeem the rewards by logging into the SBI card website. Once the redemption request is made, the customers can redeem their rewards.

4. Fuel Surcharge Waiver

The customers can get a 1% fuel surcharge waiver upon filling fuel at any of the petrol pumps in India. This waiver will be applied on fuel transactions between Rs. 500 and Rs. 3000. For one statement cycle, the maximum surcharge amount is capped at Rs. 100.

IRCTC SBI Platinum Credit Card Fees and Charges

The customers will be imposed certain charges and fees on the IRCTC SBI Platinum Credit Card. In this post, we furnished the list of IRCTC SBI platinum card charges in tabular form. Check it out!

IRCTC SBI Card Charges/FeesAmount
Joining feeRs. 500
Annual feeRs. 300
Minimum Amount Due Each Month5% of the total outstanding amount or Rs. 200 + taxes, whichever is higher
Retrieval of Credit Card StatementRs.100 per statement – for statements more than 2 months old
Interest-Free period20 to 50 days
Credit Card Finance Charge3.5% on all unsecured SBI Credit Cards (except Shaurya)
Late payment fee [Depending on the total outstanding amount]Up to Rs. 500 – Nil
Rs. 501 to Rs.1000 – 400Rs.
1001 to Rs. 10000 – 750Rs.
10001 to Rs. 25000 – 950Rs.
25001 to Rs. 50000 – 1100
More than Rs. 50000 – 1300
Card Replacement Fee – DomesticRs. 100 to Rs. 250
Finance charge on cash advanceFor domestic cash withdrawal, a fee of 2.5% or Rs. 500 (whichever is higher)
Over Limit Fee2.5%

Documents Required to Apply for IRCTC SBI Platinum Card

Check the required documents to apply for the IRCTC SBI platinum credit card in this post. 

For Proof of Address

  • Driver License
  • Aadhaar Card
  • Passport
  • Ration Card
  • Latest Electricity Bill
  • Property Registration Document
  • Bank account statement

For Proof of Identity

  • Aadhaar Card
  • PAN Card
  • Voter ID Card
  • Driver License
  • Passport
  • Job Card issued by NREGA
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Photo ID Proof issued by the UIDAI or other government

For Income Proof

  • Latest Salary Slips [3 months]
  • Last 3 months’ bank statement
  • Latest Form 16

Procedure to Apply for IRCTC SBI Platinum Credit Card Online

Follow the simple steps provided below to apply for an IRCTC SBI platinum card online.

  • First of all, visit the official website of SBI.
  • Just click the tab ‘Credit Cards’.
  • A list of credit cards will be displayed on the screen.
  • Next to the IRCTC SBI Platinum Credit Card, you need to tap the link ‘Check Eligibility.’
  • By entering some vital details, you can check your eligibility.
  • Further, click the link ‘Apply Now.’
  • Fill in the application form with some of the important details.
  • Submit the application form.
  • You can track the status of your IRCTC SBI Platinum Credit Card application online using the tracking ID. The tracking ID will be sent to the customer.

This is the complete procedure to apply for the IRCTC SBI Platinum Credit Card via the official website. 


That’s all! This is everything you need to know about the IRCTC SBI platinum card. We hope this guide has given the complete information about the benefits, charges, features through the IRCTC SBI platinum credit card review. If you have any doubts or queries, just ask us in the comments section. Visit our website frequently to get more information about credit cards, benefits, application procedures, and more. 

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