IRCTC SBI Platinum Card Review

The irctc sbi platinum credit card is quite popular among Indians looking for a low-cost travel card. This irctc sbi card is particularly designed for those who travel frequently with Indian railways. Making your rail journey more comfortable, this irctc credit card offers attractive deals on railway ticket booking, and free access to railway lounges. assured sbi credit card rewards with every transaction, and lots more. A detailed description of the irctc sbi platinum card benefits is given below.

What is irctc sbi platinum card eligibility criteria?

  • Resident Type: Indian. 
  • SBI credit card eligibility criteria for salaried person:
    • Age: 18 to 60 yrs. 
    • SBI credit card minimum salary requirement: Rs. 20,000 monthly. (Min)
  • SBI credit card eligibility criteria for self-employed person:
    • Age: 18 to 60 yrs. 
    • SBI credit card minimum salary requirement: Rs. 30,000 monthly. (Min)
  • A CIBIL score of 680+ is needed to apply for this sbi platinum irctc card.

What documents are required to apply for the irctc sbi card?

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

What are the irctc platinum sbi credit card fees?

  • SBI irctc platinum card joining fee: Rs.500 + GST
  • SBI irctc credit card annual fee: Rs.300 + GST

What are the sbi irctc credit card benefits?

  • Get started with a huge credit card opening bonus:

As you activate your SBI irctc credit card for the first time and complete spending Rs.500 within the first 45 days of your sbi credit card activation, you will receive 350 bonus SBI credit card reward points. You will also get Rs.100 cashback on your first ATM withdrawal made within the first 30 days of your SBI irctc card activation. 

  • Make your transactions more rewarding:

For every Rs.125 transaction made using this card, you can earn 1 sbi credit card reward pointsNow you might be thinking, ‘how to redeem sbi irctc credit card points?’ You can redeem those points from the sbi irctc credit card reward points redemption catalog.

  • Add comfort to your travel:

This irctc sbi platinum card offers up to 4 free yearly accesses at most of the leading railway lounges in India.

  • Get freedom from sbi credit card fuel surcharges:

This irctc sbi credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.500 to Rs.3,000. You can earn up to Rs.100 waiver in a sbi card statement cycle.

  • Enjoy attractive irctc train offers:

The irctc sbi platinum card comes with a number of attractive travel offers, the details are mentioned below.

Category of transaction


IRCTC ticket booking (AC1, AC2, AC3, and AC CC) via the irctc mobile app.

10% value back (as sbi card rewards)

Railway ticket booking via IRCTC website. 

1% waiver on convenience fee

  • Enjoy the convenience of the contactless credit card payment facility:

This SBI irctc platinum card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing your sbi irctc card over any contactless-enabled POS machine.

  • Enjoy the easy sbi credit card emi facility:

Using the sbi credit card flexipay feature, you can convert your high-value credit card transactions (over Rs.2500) into small monthly installments. You can calculate the applicable monthly installments from the sbi credit card emi calculator.

  • Advanced security arrangements:

This irctc sbi card is armed with an advanced EMV chip, this chip with its next-gen encryption method makes your card extremely resistant to credit card cloning. But if you notice something suspicious with your credit card account, you should immediately inform it by calling the irctc sbi credit card customer care number.

What are the irctc sbi platinum card charges?


Payable Amount

SBI credit card cash withdrawal charge

2.5% against the withdrawal amount, min Rs.500 (check your sbi credit card limit before making a withdrawal)

SBI irctc credit card Finance Charge

The sbi credit card interest rate can go up to 3.25% monthly (applicable if your sbi credit card payment is not made in time)

SBI credit card international transaction fee

 3.5% against the transaction amount.

SBI irctc card add-on card fee

None. Free for a lifetime.

How to contact the sbi credit card customer service department?

  • Call the sbi irctc credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card email 

100xGain Ratings:


Pros and cons of the irctc platinum sbi card:



  • You can earn some handsome discounts on railway tickets.
  • This sbi irctc offers you free access to airport lounges.
  • There are no airport lounge access benefits on this SBI platinum card.
  • There are no entertainment benefits on this sbi irctc card.

Final Opinion:

Hopefully, this sbi irctc credit card review has helped you to understand this card better. If you are a regular traveler of IRCTC this is a must-have credit card for you. With attractive deals on railway ticket booking, free access to railway lounges, and assured sbi credit card rewards with every transaction, this state bank travel card can offer you some handsome savings every month.

But if you are looking for a more premium card, then you should take a look at our best travel credit card page, it will help you in finding your choice.

Alternative cards of the sbi irctc platinum credit card: 

  1. HDFC regalia credit card (Best for reward points and lounge access)
  2. Indusind Bank Classic credit card (Best for travel benefits)
  3. Air India SBI Signature Card (Best for travel and lounge access) 

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