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IRCTC SBI Platinum Credit Card
Travel
1st Year Fee: ₹500* Plus Applicable Taxes
Travel Benefits
Up to 10% value-back on train bookings via IRCTC
Welcome Bonus
350 reward points on card activation
Lounge Access
4 free railway lounge visits every year
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About IRCTC SBI Platinum Credit Card
SBI IRCTC Credit Card is a travel credit card offered in association with IRCTC. The card offers significant value-back on booking tickets through IRCTC along with other benefits like railway lounge access and transaction charges waiver on railway ticket bookings. Additionally, card users can earn rewards on other retail purchases. If you prefer train journeys over flights and are looking for a low-fee credit card, IRCTC SBI Platinum Card can be a good fit for you.
Note that SBI Credit Card also offers a premium variant of this card- IRCTC SBI Premier at a comparatively higher annual fee of Rs. 1,499. The Premier Card provides more extensive saving opportunities for travellers, hence those who are ready to pay a higher annual fee can consider this card.
IRCTC SBI Platinum Card Travel Benefits
This credit card offers travel benefits in the form of accelerated rewards, transaction charge waiver and railway lounge access, as shown below:
- 10% value-back, through reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
- Waiver of 1% transaction charges on railway ticket bookings
- 4 complimentary railway lounge access in a year
Also Read: Best Credit Cards in India
Cardholders will earn value-back in the form of reward points, which can later be redeemed directly via the IRCTC website or Mobile App (Android only). To redeem the reward points, cardholders will have to link their IRCTC SBI Card Loyalty Number with their IRCTC Login ID.
An important point to note here is that airline, hotel and holiday package bookings can also be made through the IRCTC Platform. However, with this card, accelerated reward points as well as transaction charge waiver can be availed only on train ticket bookings.
Other Features & Benefits
Reward Points
- 1 reward point for every Rs. 125 spent1 including railway ticket purchases done via IRCTC website or mobile application
Welcome Benefit
- 350 bonus reward points (Rs. 350) on activation i.e. post first successful transaction of Rs. 500 or more2. (1 reward point = Rs. 1).
- 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card
Fuel Surcharge Waiver
- 1% fuel surcharge waiver is provided which is capped at Rs. 100 per month
Suggested Read: Best Fuel Credit Cards
IRCTC SBI Platinum Card Fees and Charges
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||||||
| Finance Charges | 3.50% p.m. | 42% p.a. | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently travel via train and would like to save on this expense
You are not looking for benefits on other spending categories
You specifically seek a low annual fee travel credit card
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What do we like about this card?
With a low annual fee of Rs. 500, SBI IRCTC Credit Card gives 10% value back on every railway ticket booking which is a good return for a low-fee card. Transaction charge waiver and complimentary railway lounge access definitely add value for train travellers. SBI Card also provides an advanced variant of the card- IRCTC SBI Card Premier- with slightly better value, albeit at a comparatively higher annual fee. Consumers who seek more savings on their train travels, along with some other everyday categories, can consider getting the Premier variant.
Pros
- Low annual fee travel credit card
- Good value on train ticket bookings via IRCTC
- Complimentary railway lounge access
- Transaction charge waiver on railway ticket booking via IRCTC
Cons
- Benefits on no other spending category apart from train travel
- Base reward rate stands quite low at 0.8%
Conclusion
Though IRCTC SBI Platinum Card can be a decent option for travellers, it is quite a basic card for those who spend more than or equal to Rs. 20,000 on railway tickets every year. There are no benefits on daily spends such as grocery, shopping, utility bills, etc. Only 1 reward point is provided on every Rs. 125 spent which can easily be the lowest in any category. Hence, SBI IRCTC Platinum Card can be a good fit only if you travel a lot by trains. You should, however, opt for other cards if you want benefits across other everyday categories like shopping, rewards, dining, travel, etc.
Frequently Asked Questions
Everything you need to know about this credit card
Footnotes
- Fuel, rent, wallet reload, cash advances, balance transfers, fees and charges, merchant EMI, Flexipay and government transactions are not eligible for rewards program
- The first transaction should be made within 45 days from the date of card issuance
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
