Welcome Gift

With IRCTC SBI Platinum Card you earn Bonus Reward Points on activation of your card. A single transaction over  500 or above gets you 350 reward points within 45 days of card issuance. The transaction should not be made for buying fuel.

You also earn 100 cash back on the first ATM cash withdrawal within the first 30 days.

• 1 % transaction fee waiver on bookings made through IRCTC website
• Get 1% fuel surcharge waiver on transactions between 500 - 3,000 (exclusive of GST & other charges) across all petrol pumps in India.
• Balance Transfer on EMI Using Balance Transfer facility you can easily transfer the outstanding dues of your other credit cards to your IRCTC SBI Platinum Card at a lower interest rate and convert your credit card debt into easy EMIs. You can request for BT on EMI by logging on to sbicard.com

• Annual Fee:  500 (waived off till 31st March 2021) 
• Renewal Fee:  300 second year onwards
• Add-on Fee: Nil, there are no additional charges

• Should be an Indian resident
• Minimum age of 18 years
• Must be salaried or self employed
• Possess last 3 months bank statements

On booking railway tickets for AC1, AC2, AC3, and AC CC at irctc.co.in, you earn up to 10% Valueback as Reward points. Each Reward Point fetches you  1.

Every 125 spent on retail purchase (except for fuel) earns 1 Reward point. You also earn reward points on booking of railway tickets at irctc.co.in

Terms of Use

To redeem points, link your IRCTC SBI Platinum Card loyalty number with login account of your irctc.co.in.  

Travel Offers from IRCTC

• 1% transaction fee waiver on bookings made through IRCTC website
• By logging on to irctc.co.in avail exclusive discounts on travel bookings
• Buy airline tickets with IRCTC at attractive discount offers
• Well-customised domestic travel packages for adventure, wildlife, pilgrimage and leisure tours
• Accommodation choice at over 5,000 hotels across 350 Indian cities

Fuel surcharge waiver

• Get 1% fuel surcharge waiver on transactions between 500 - 3,000 (exclusive of GST & other charges) across all petrol pumps in India.
• A maximum of 100 surcharge waiver per statement cycle per account.

Transaction Charges Waiver

On booking of railway tickets at irctc.co.in, save 1% transaction charges, excluding GST and other charges.

Exclusive Offers from Visa

Enjoy exclusive IRCTC SBI Platinum Card offers from Visa on travel, golf, dining, and other entertainment avenues

Cash on the Go

With your IRCTC SBI Platinum Card, you can withdraw cash from over 1 million Visa ATMs worldwide. In India, you can access 18,000 Visa ATMs and over 10,000 SBI ATMs across 100 cities.

Global Acceptance

IRCTC SBI Platinum Card is a privilege VISA travel credit card that is accepted globally. You can swipe your IRCTC SBI Platinum Credit Card in over 29 million Visa outlets worldwide, which is inclusive of 3,25,000 outlets in India.

Add On Card for Family

You can also apply for add-on IRCTC SBI Platinum Card for your family members above the age of 18. Be it your spouse and parents, college-going siblings or kids, you can empower them with a credit card for financial freedom.

Utility Bill Payment Facility

With your IRCTC SBI Platinum Card, you can conveniently pay your utility bills and earn the reward points at the same time.

Balance Transfer on EMI

Using Balance Transfer facility you can easily transfer the outstanding dues of your other credit cards to your IRCTC SBI Platinum Card at a lower interest rate and convert your credit card debt into easy EMIs. You can request for BT on EMI by logging on to sbicard.com

Flexipay

With Flexipay facility you can convert your purchases over  2,500 into easy monthly instalments. However, you should not have the last balance dues, and the request should be made online within 30 days of the transaction.

Easy Money Facility

With SBI Card, you can apply for Easy Money and expect a cheque or draft delivered to you at your doorstep.

Doorstep facility for Railway Tickets

With your IRCTC SBI Platinum Card, you can instantly book railway tickets on irctc.co.in and get doorstep delivery of the tickets.

Interest-free credit period: You enjoy up to 50 days interest-free credit period on retail purchases if your previous outstanding card dues are paid in full.

Finance charges: varies up to 3.35% per month, i.e., 40.2% annually from the transaction date.

Minimum amount due: The minimum due is calculated based on:  

5% of Outstanding Amount (Min.  200 + taxes + EMI + OVL)  

*EMI & OVL to be added only when applicable.

Cash advance limit: You can avail cash advance up to 80% of the credit limit approved. Maximum Limit for cash advance is  12,000 per day.

Free credit period: Nil

Finance charges: Same as above.  
Cash Advance Fee from Domestic ATMs: 2.5% of amount (minimum:  300);  
As from International ATMs: 3% of amount (minimum:  300)

• KYC fulfilment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
• Address proof: Utility Bills/ Ration Card/ Passport
• ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
• Income Proof: Last 3 Salary slips / bank statements
• Photographs

Purpose of Charge	Fee/ Charge
Cash Payment Fee	100
Cheque pickup	100
Cheque Fee (up to 10000 cheques)	100
Payment Dishonor	2% of amount (minimum:  450)
Statement retrieval for more than 2-month records	100/ statement
Over limit Charge	2.5% of over limit (minimum:  500)
Card replacement	100
Emergency card replacement, when abroad	Actual cost (minimum $175)
Conversion mark up on foreign currency transaction	3.5%

Late Payment Charges:

Outstanding Not Paid	Late Charge
0 - 200	NIL
200 -  500	100
500 -  1000	400
1000 -  10,000	600
10,000 -   25,000	800
Amount greater than  25,000	950

Surcharge Waiver:

• Railway tickets booked through counters:  30 + 2.5% of the transaction
• Railway tickets booked through irctc.co.in: 1.8% of transaction charges waiver, excluding applicable service taxes and charges
• At petrol pumps: You avail 1% fuel surcharge waiver for each transaction between  500 to  3,000, exclusive of applicable taxes. Maximum of 100 surcharge waiver is available per statement cycle per account.

Payment of customs duty: 2.25% of transaction amount, (minimum:  75)

IRCTC SBI Platinum Card is a co-branded platinum credit card by SBI and IRCTC. SBI is the largest public sector bank in the country and IRCTC is Indian Railway Catering and Tourism Corporation Limited.

This co-branded SBI IRCTC Card is designed to delight Indian travel lovers and thus comes packed with attractive travel, retail, dining and entertainment offers. You can enjoy cash back, rewards points, discounts, surcharge waiver and fee waivers on each payment made through your IRCTC SBI Platinum Credit Card.

The card is a sheer value earner as 1 reward point is equivalent to 1 and the renewal is also priced nominally at 299.