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The IRCTC SBI Platinum Card is a travel‑focused credit card jointly offered by the Indian Railway Catering and Tourism Corporation (IRCTC) and the State Bank of India (SBI). It is designed for individuals who frequently travel by train within India, providing substantial benefits and value back on railway ticket bookings and other travel‑related expenses.
A credit card EMI calculator helps you plan large purchases by breaking down the total cost into manageable monthly payments. You enter the purchase amount, the interest rate, and your preferred repayment tenure. The tool instantly displays the monthly EMI, total interest payable, and the overall amount you’ll pay. It’s a practical way to compare different repayment timelines and choose one that fits your monthly budget without any guesswork. Use the Credit Card EMI Calculator before you buy to stay in control of your spending.
Explore the key SBI IRCTC credit card benefits below:
Activation bonus: Upon activating the card and making a single transaction of Rs. 500 or more within 45 days from the date of card issuance, cardholders receive 350 bonus reward points.
Earn an impressive 10% value back in the form of reward points on every railway ticket booking for AC1, AC2, AC3, and AC CC classes made through the IRCTC website.
Transaction charge waiver: Save 1.8% on transaction charges when booking railway tickets from the IRCTC website.
Fuel surcharge waiver: Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000 across all petrol pumps in India.
Domestic lounge access: Enhance your travel experience with access to domestic airport lounges and railway lounges during your train journeys.
Reward points on other purchases: Earn basic rewards on other retail purchases, with 1 reward point for every Rs. 125 spent.
Cardholders can avail short‑term funds at a lower interest rate, with the amount credited to their account via NEFT. This facility is available up to 75% of the available cash limit.
The IRCTC SBI Platinum Card offers a range of benefits for frequent train travellers, including:
Earn 1 reward point for every ₹125 spent on retail (non‑fuel) purchases. The value of 1 reward point is ₹1. You can also earn 10% value back as reward points on AC class railway ticket bookings.
Enjoy 10% value back as reward points on bookings of AC1, AC2, AC3, and AC CC tickets from the IRCTC website. Additionally, benefit from a waiver of 1.8% transaction charges on railway ticket bookings from irctc.co.in.
Joining Fee: ₹500 (first year). Annual Renewal Fee: ₹300 (subsequent years).
Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across all petrol pumps in India.
The following charges apply as per SBI Card’s schedule (August 2026).
| Fee Type | Details |
|---|---|
| Joining Fee | ₹500 (one‑time, first year) |
| Annual Fee | ₹300 (renewal after first year) |
| Finance Charges | 3.35% per month (42% per annum) |
| Fuel Surcharge | 1% fuel surcharge waiver on transactions of ₹500–₹3,000 at all petrol pumps |
| Cash Advance Charges | 2.5% of the transaction amount |
IRCTC SBI Platinum Card applying online is a simple online process. Follow the steps below to submit your application.
Ensure you meet the age (21‑70), income, and employment criteria before starting your application.
Provide your personal, contact, and employment details accurately on the secure application page.
Upload scanned copies of your PAN card, identity/address proof, and income proof (salary slips or ITR).
SBI Card will verify your documents and may conduct a video KYC or physical verification.
Once verified, the card is approved and dispatched to your registered address within 7‑10 working days.
To be eligible for the IRCTC SBI Platinum Card, applicants must meet the following SBI Platinum card eligibility requirements:
The applicant must be between 21 and 70 years old.
All applicants need to provide proof of income (salary slips, ITR, etc.).
Both salaried and self‑employed individuals are eligible to apply.
A good credit score is recommended to improve your chances of approval.
Make a single transaction of ₹500 or more within 45 days from card issuance to activate your card and receive 350 bonus reward points (non‑fuel transaction). After activation, link your card’s loyalty number with your IRCTC user account.
Call SBI Card’s 24‑hour customer service helpline and request card activation by providing your card details for verification.
Download the SBI Card mobile app, log in, navigate to the card activation section, and follow the prompts to activate your card.
Check how SBI IRCTC Card reward points redeem is done:
Link your IRCTC SBI Platinum Card loyalty number with your IRCTC login ID. Redeem your 10% value back reward points directly on the IRCTC website or mobile app for ticket bookings (1 point = ₹1).
Reward points can also be redeemed through the SBI Card rewards portal for a wide range of products and vouchers.
Points may be used for other services available on the IRCTC platform. Note that reward points are valid for 3 years from the date of card issuance.
