Unlock Travel Rewards with IRCTC SBI Platinum Card

Overview of the IRCTC SBI Platinum Card

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). This card 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.

Annual and renewal fees: The card has a reasonable annual fee of Rs. 500 and a renewal fee of Rs. 300, making it an affordable option for frequent travellers.
Eligibility: The card is available to individuals aged between 21 and 70 years, including both salaried and self-employed individuals. To apply, you need to provide essential documents such as PAN, Aadhaar or any other government-approved photo ID, address proof, and proof of income.
Interest and charges: The card carries a finance charge of 3.50% per month (42% per annum) and various late payment charges based on the statement balance.

The IRCTC SBI Platinum Card offers a range of benefits and features that make it an attractive choice for train travellers.

Benefits & Features of the IRCTC SBI Platinum Card

Welcome Benefits

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.

Other Benefits

Value back on railway tickets: 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.
Reward points on other purchases: Although the card primarily focuses on travel benefits, cardholders also earn basic rewards on other retail purchases, with 1 reward point for every Rs. 125 spent.
Easy money facility: 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.

Railway lounge access: Enjoy the comfort of railway lounges during your train journeys.

Key Highlights of the IRCTC SBI Platinum Card

The IRCTC SBI Platinum Card offers a range of benefits for frequent train travellers, including:

Travel Benefits: 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.
Welcome Bonus: Receive 350 activation bonus reward points on a single transaction of ₹500 or more within 45 days from the date of card issue.
Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver on transactions between ₹500-₹3000 across all petrol pumps in India.
Other Benefits: Enjoy complimentary railway lounge access and easy money facility, allowing cardholders to avail short-term funds at a lower interest rate, with the amount credited through NEFT.
Reward Points: Earn 1 reward point for every ₹125 spent on retail (non-fuel) purchases. The value of 1 reward point is ₹1.
Redemption: Reward points can be redeemed directly via the IRCTC website or mobile app (Android only) after linking the IRCTC SBI Card Loyalty Number with the IRCTC Login ID.

Fees and Charges of the IRCTC SBI Platinum Card

Type of Charge	Amount
Annual Fee	₹500
Renewal Fee	₹300
Finance Charge	3.35% per month (42% per annum)
Late Payment Charge	₹100-₹950 (depending on the statement balance)
Card Replacement Fee	₹100
Over Limit Charge	2.5% of the over-limit amount
Returned Payment Fee	2% of the total amount
Minimum Amount Due	5% of the total outstanding
Foreign Currency Transaction Fee	3.5%
Cash Advance Fee	2.5% of the transaction amount
Statement Retrieval Fee	₹100

Eligibility of the IRCTC SBI Platinum Card

To be eligible for the IRCTC SBI Platinum Card, applicants must meet the following requirements:

Age: The applicant must be between 21 and 70 years old.
Employment Status: Both salaried and self-employed individuals are eligible.
Income Proof: All applicants need to provide proof of income.
Application Process: Applicants can apply through the SBI Card website by filling out the necessary information and submitting the application. Post-approval, SBI card staff will contact you for verification.

Card Activation Process

To start using your IRCTC SBI Platinum Card, follow these simple steps for activation:

Make a single transaction of ₹500 or more within 45 days from the date of card issuance to activate your card and receive the welcome bonus of 350 reward points.
The welcome bonus will be credited to your account after the first qualified transaction, which should not be for buying fuel.
You can also earn ₹100 cash back on the first ATM cash withdrawal within the first 30 days of card activation.
After activating your card, wait for 5 days and then link your IRCTC SBI Platinum Card loyalty number with your IRCTC user account. The loyalty number is an 11-digit number embossed below the cardholder's name on the card.

How to Redeem the Points

Redeeming points on your IRCTC SBI Platinum Card is a straightforward process: • You earn 10% value back as reward points on bookings of AC1, AC2, AC3, and AC CC tickets from the IRCTC website. Each reward point is equivalent to ₹1. • To redeem points, link your IRCTC SBI Platinum Card loyalty number with your IRCTC user account. This step is crucial for redeeming your reward points on the IRCTC website and mobile app. • Once your loyalty number is linked, you can redeem your reward points directly on the IRCTC website or mobile app. The reward points are valid for a period of 3 years from the date of card issuance. • You can use these reward points to book railway tickets or other services available on the IRCTC platform. Each reward point can be redeemed for its face value of ₹1. By following these simple steps, you can easily activate your IRCTC SBI Platinum Card and start earning and redeeming reward points on your IRCTC bookings.

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Save up to ₹16000 every year!

Overview of the IRCTC SBI Platinum Card

Benefits & Features of the IRCTC SBI Platinum Card

Welcome Benefits

Other Benefits

Key Highlights of the IRCTC SBI Platinum Card

Fees and Charges of the IRCTC SBI Platinum Card

Eligibility of the IRCTC SBI Platinum Card

Card Activation Process

How to Redeem the Points

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