IRCTC SBI Platinum Card

IRCTC SBI Platinum Cardis a card with an extraordinary facility. When you booking a ticket through IRCTC website by using this card you will get an exclusive fee waiving facility. It is also known as SBI railway card for its unique facility. It has welcome gift, value back benefits, travel offer from IRCTC, fuel surcharge waiver and more.

Eligibility Criteria:

  • Must be a citizen of India
  • Credit score must be 700 and above.

Documents Required:

 As a Proof of Identity you can submit a copy of any one

(PAN Card/Aadhaar card, Driver’s License/Passport. Voter’s Id)

As a Proof of Address you can submit a copy of any one

(Aadhaar card/Driver’s License/ Passport/ Ration Card/Property Registration Document/Bank Account Statement)


Should be a citizen of India


Minimum age should be 21 years and more


Salaried :

For salaried income should be Rs. 20000 and more with ITR.


For self-Employed or businessman Income should be Rs. 30000 and more with ITR.


Joining Fee:

Rs. 500 joining fee as annual fee (one time) + GST

Annual Fee:

Rs. 300 renewal fee per annum + GST

Card Replacement charge : Rs. 100

Custom duty charge : 2.25% of transection amount or minimum Rs. 75.

Chaque fee : Rs. 100

Cashback :

Book tickets of AC1, AC2,AC3 and AC CC through IRCTC official website and get up to 10% value back as reward point. (1 Reward point = ₹1)

Reward Points:

Earn 350 bonus reward point as welcome gift  on transection of Rs. 500 and above.

Railways Lounge Access :

  • Enjoy 4 complimentary visits at participating railway lounges.
  • Get Airline tickets at affordable price.

Hotel Booking:

You can enjoy to get a chance to choose 5000 hotels across 350 cities in the country.


IRCTC SBI platinum offers some exclusive dining offer from VISA.


IRCTC SBI also offers on golf option from VISA

Fuel Surcharge:

  • Enjoy escape from paying 1%fuel surcharge across all petrol pump in the country on the transection of Rs. 500 -Rs. 3000.
  • Get maximum surcharge waiver of Rs. 100 statement cycle per credit card account.

Foreign Exchange Rate: 3.5%


Enjoy free personal accident insurance .


Cash Withdrawal Charge:

  • 2.5 % of withdrawal amount or minimum Rs. 300 on per transection for SBI or other domestic ATMs.
  • 3% of withdrawal amount or minimum Rs. 300 on per transection for international ATMs.

Charges on over limit amount:

2.5% on over-limit amount or a minimum Rs. 500.

Transection charge waiver :

When you book tickets by using IRCTC official website you can safe 1.8%  transection waiving charge.

In case if you decide to cancel tickets then 1.8% amount will be debited to your ttotal refund amount.

Other facility :

Contactless advantages :

During your transection you not to need hand over you card. Simply wave your card at the secure reader. It reducing the chance of loss card and fraud due to skimming. Even the unique security features of visa pay wave will ensure only one transection on one time in spite of multiple time wave of the card at the reader.

Global acceptance :

IRCTC SBI Platinum Card  is accepted throughout the world.

Easy bill pay  facilities :

You can pay your any kind of bill like electricity, mobile and so on by using IRCTC SBI Platinum Card facility.

Flexipay :

By using flexipay you can convert your transection in easy monthly installment.

Balance transfer of EMI :

 You ca Transfer your other bank credit card outstanding to your IRCTC SBI Platinum Card and pay back it  in EMIs with low interest rate.

Add on card facilities :

You can add any 2 of your family members like parents, spouse, siblings with the SBI ELITE card. The members age should be more than 18 and above.

Customer Care Number



Email Id: [email protected]

100X Gain Ratings:

3.5 star

Final Verdict:

IRCTC SBI Platinum Credit Card is a good beginner card for those who travel by train a lot. 10% reward rate on train tickets during peak season with no upper limit is quite good. However if you don’t travel by train very frequently, then you should think it twice to buy this card.

Categories SBI

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