SBI IRCTC 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 irctc sbi 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 for credit card in sbi:

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

You can check your sbi irctc credit card application status by clicking here

Required Documents for irctc sbi card application:

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest income tax return. 
      • Proof of business
      • Recent audited financial report. 

Sbi irctc platinum credit card fees:

  • Joining Fee: Rs. 500 + GST
  • Sbi irctc credit card annual fee: Rs. 300 + GST

Irctc sbi credit card benefits:

  • Welcome benefit:

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

Also if you can spend Rs. 500 or more on a single transaction with your SBI irctc credit 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 irctc sbi credit card

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

If you are thinking about how to redeem sbi irctc credit card points, then here is the answer, you can redeem these reward points in cash (1 reward point is equal to Rs.1). You can also redeem them against an exclusive sbi irctc credit card reward points redemption catalog of products, railway ticket bookings, etc.

You can check your check sbi credit card reward points balance from your net/mobile banking account

  • Hotel booking:

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

  • Fuel surcharge waiver:

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

  • Travel benefit:

This sbi irctc card offers a 1% off on transaction charge on bookings of railway tickets on you can check your sbi credit card transaction details from your online banking account. This card offers some exclusive domestic travel packages like adventure, wildlife, pilgrimage, etc.

  • Visa benefit:

With this SBI irctc card, you can avail of some excellent offers on travel, dining, golf, entertainment, etc. from Visa. For any queries, you can contact the irctc sbi credit card customer care number given below. 

  • Add on card:

You can share the benefits of your irctc sbi platinum 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.

Click here to know how to apply for add on credit card in sbi.

  • Contactless facility:

This SBI irctc platinum 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 irctc sbi 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 Rs. 2500 or extra with the help of your sbi irctc platinum credit 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.

You can check your sbi irctc credit card status from your net banking or mobile banking account. Click here for the sbi credit card interest calculator

  • Balance transfer facility:

SBI will provide a balance transfer facility. With this service, you will be able to transfer your irctc sbi card 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 this irctc sbi card in more than 29 million outlets in the world and 3.25 lakh outlets in India.

Sbi irctc platinum credit card Charges:


Payable Amount

sbi credit card cash withdrawal charge

2.5% against the withdrawal amount, (for both domestic and international ATMs)

sbi irctc credit card Finance Charge

3.25% monthly.

Foreign currency transaction

The irctc sbi card foreign currency transaction charge is 3.5% against the transaction amount.

sbi irctc card add-on card fee

None. Free for a lifetime.

Sbi credit card customer service contact details:

Sbi irctc credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Sbi credit card email address[email protected] 

100xGain Ratings:


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. It offers some attractive benefits on IRCTC ticket booking, travel, hotel booking. You can also earn some handsome sbi credit card reward points from your daily expenses.

But, if you want to explore some more credit card options then take a look at the alternative card options given below. 

Alternative Cards: 

  1. HDFC regalia credit card. (Best for reward points and lounge access)
  2. Indusind Bank Classic credit card. (Best for travel benefits)
  3. Indusind Bank Celesta Credit card. (Best for travel benefits)
  4. air india sbi signature card. (Best for travel and lounge access) 

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