IRCTC SBI Platinum Credit Card Review

SBI offers various types of credit cards for their needs. And IRCTC SBI Platinum Card is one of them. It is designed in partnership with IRCTC. This card is one of the best cards for railway ticket bookings. Also, the card has some awesome features and benefits such as welcome gifts, value pack benefits, Travel offers, freedom from fuel surcharge, global acceptance, waiver of transaction charges, visa benefits, etc. Go through the article to know more about the card.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 60 yrs. 
    • Income: ₹20,000 monthly. (Min)
  • For self-employed person:
    • Age: 18 to 60 yrs. 
    • Income: ₹30,000 monthly. (Min)
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹300 + GST


  • Welcome benefit:

If you withdraw cash for the first time from ATM in between 1 month of receiving the card will get ₹100 Cash-Back as a welcome gift. 

Also if you can spend ₹500 or more on a single transaction with your card in between 45 days of receiving the card you will get 350 reward points. 

The bonus rewards will be credited to your IRCTC SBI Platinum card account within 45 days.

  • Reward benefit:

You will get a 10% value back on AC1, AC2, AC3, AC, and CC tickets booked from by using this card. 

If you spend ₹125 on the retail purchase, railway ticket bookings, etc. you will get 1 reward point each time.

These reward points are redeemable. You can redeem these reward points in cash (1 reward point is equal to Rs.1). You can also redeem them against exclusive catalogs of products, railway ticket bookings, etc.

  • Hotel Booking:

With this card, you will get offers from more than 5000 hotels in 350 cities in India. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges this offer is applicable at any fuel station in India. The transaction amount should be between ₹500 to ₹3,000. 

  • Travel benefit:

This card offers a 1% off on transaction charge on bookings of railway tickets on 

This card offers some exclusive domestic travel packages like adventure, wildlife, pilgrimage, etc.   

  • Visa Benefit:

With this card, you can avail of some excellent offers on travel, dining, golf, entertainment, etc. from Visa

  • Add on Card:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can enjoy the benefits of having a credit card. The add-on member must be 18 years old. 

  • Contactless facility:

This card comes with a contactless payment facility. So you can now pay your bills with just a wave at any secure reader machine. This feature also saves your card from getting misplaced or lost, since you dint need to hand it over to someone to make the transaction. 

  • Flexipay:

If you purchase for ₹2500 or extra with the help of your card, you can convert your transaction into easy monthly installments. To use this facility you have to log in to with your username and password in between 30 days of your purchase.

  • Balance Transfer facility:

SBI will provide a balance transfer facility. With this service, you will be able to transfer your card’s outstanding balance of other banks to your IRCTC SBI Platinum Card and get a lower rate of interest against it. 

  • DropBox locator:

You can search your nearest SBI card dropbox with just an SMS. To know the location you have to type PIN<space>your 6 digits pin code and send it to 56767. You will get the list via SMS.

  • Global Acceptance:

You can use the card in more than 29 million outlets in the world and 3.25 lakh outlets in India.


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount, (for both domestic and international ATMs)
  • Finance Charge: 3.25% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount.  

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected] 

100xGain Ratings:


Final Opinion:

If you are a regular traveler of IRCTC this is a must-have credit card for you. It offers some attractive benefits on IRCTC ticket booking, travel, hotel booking. You can also earn some handsome reward points from your daily expenses. 

But if you are ready to spend some more and enjoy some premium travel & lifestyle experiences like lounge access, benefits on flight tickets, golf access, etc. you can go for SBI Card Prime or Axis Bank select Credit Card

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