IRCTC SBI Platinum Card

IRCTC SBI Platinum Card is a travel credit card from State Bank of India. On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car,….

Joining fee: ₹500 + taxes
Annual fee: ₹500 + taxes
Forex markup: 3.5%
Interest: Up to 3.50% per month (42% per annum)

More SBI cards

Welcome benefits

Users will get 350 activation bonus reward points on a single transaction of ₹500 or more within 45 days of card issuance

Rewards & cashback

On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points
1 reward point will be awarded on ₹125 on all other spends
Effective general cashback rate: 0.8%

Airport lounge access

Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter)

More benefits & features

On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points

Fees & charges

Joining fee: ₹500 + taxes
Annual fee: ₹500 + taxes
Foreign currency markup: 3.5%
Interest rate: Up to 3.50% per month (42% per annum)
Late payment: 0 to 1300
Cash advance: 2.5% or ₹500
Fuel surcharge: 1% Fuel surcharge waiver for each transaction between ₹500 and ₹4,000. Maximum surcharge waiver of ₹100 per statement…
Billing cycle: 30 days
Other fees: ₹500 + Taxes. | Reward Redemption Fees: ₹99/- per redemption

Pros and cons

What works well

Users will get 350 activation bonus reward points on a single transaction of ₹500 or more within 45 days of card issuance
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car, users can get upto 10% value back as reward points. 1 reward point will be awarded on ₹125 on all other…
Effective general cashback rate: 0.8%
Free 4 complimentary railway lounge access in a year to participating lounges in India (1 per quarter)

Worth knowing

Low general cashback rate
No free movie tickets
No free airport lounges visits

Who can apply

Age: You must be minimum 21 and maximum 70 years old
Income: You must have a stable source of income
Credit score: A good credit score is generally required

How to apply

Online: This is the faster and more convenient method:
Visit the SBI Card website: Head to the official SBI Card website
Navigate to the IRCTC SBI Card Platinum page: Find the "Personal" category and choose "Shopping" as the sub-category
Click "Apply Now": Look for the prominent "Apply Now" button on the card page
Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc
Review and submit: Carefully review the application details
Await decision: You'll receive an instant preliminary decision based on the information provided
Offline: This method involves visiting a SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the IRCTC SBI Card Platinum

Details come from information published by State Bank of India and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.