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IRCTC SBI Platinum Credit Card – For Railway Ticket Bookings

Home SBI Card SBI IRCTC Credit Card- For Railway Ticket Bookings
Updated: 21-08-2024 07:08:54 AM

SBI IRCTC Credit Card, launched in association with IRCTC offers multiple travel benefits to the users at a minimal annual fee. It offers value back benefits on booking tickets through IRCTC, domestic lounge access, and waiver on railway ticket bookings. Additionally, you get basic rewards on other retail purchases. If you frequently travel within India via trains, this card can be a good fit for you. Read on to know more.

Key Highlights of SBI IRCTC Platinum Credit Card
IRCTC SBI Platinum credit card
Best Suited For Travel
Annual Fee Rs. 500
Renewal Fee Rs. 300
Best Feature 10% value back as reward points on booking tickets through IRCTC; Save 1% transaction charge on railway bookings
Welcome Benefit 350 activation bonus reward points
Paisabazaar’s Rating ★★★(3/5)

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On this page:
IRCTC SBI Platinum Card: Features and Benefits
IRCTC SBI Platinum Card: Fees and Charges
IRCTC SBI Platinum Card: Eligibility Criteria
Should you get SBI IRCTC Platinum Credit Card?
Cards Similar to IRCTC SBI Platinum Card
FAQs

IRCTC SBI Platinum Card: Features and Benefits

Welcome Benefit

SBI IRCTC Card provides the following activation benefits:

  • 350 bonus reward points (Rs. 350) on activation i.e. post first successful transaction of Rs. 500 or more. (1 reward point = Rs. 1)
  • The first transaction should be made within 45 days from the date of card issuance
  • Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card

IRCTC Benefit

The card provides certain benefits on IRCTC website as listed below:

  • 10% Valueback, 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

Rewards Program

IRCTC SBI Card users can get 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases done via IRCTC website or mobile application.

For example, if you book railway tickets worth Rs. 5,000, you will get 40 reward points. And, 1 reward point is equivalent to Rs. 1 thereby, you will get a benefit of Rs. 40.

Suggested Read: 5 Best Domestic Travel Credit Cards in India

Other SBI IRCTC Card Benefits

  • Railway Lounge Benefits – 4 complimentary railway lounge access in a year.
  • Fuel Surcharge Waiver – 1% fuel surcharge waiver is provided which is capped at Rs. 100 per month.

Read full review of SBI IRCTC Credit Card

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IRCTC SBI Platinum Card: Fees and Charges

The table below shows the fees and charges associated with this credit card:

Fee/Charge Amount/Rate
Annual Fee Rs. 500
Renewal Fee Rs. 300
Finance Charges Up to 3.50% per month [42% per annum]
 

Late Payment Fee**

 For Statement Balance
Less than Rs. 500 – Nil
Rs. 500 up to Rs. 1,000 – Rs. 400
Rs. 1,000 up to Rs. 10,000 – Rs. 750
Rs. 10,000 up to Rs. 25,000 – Rs. 950
Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
Amount over Rs. 50,000 – Rs. 1,300

*For most important terms and conditions of the SBI IRCTC Credit Card, Click Here.

**An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.

IRCTC SBI Platinum Card: Eligibility Criteria

The applicant must fulfil the below eligibility to apply for this credit card:

Criteria Details
Occupation Salaried or Self-employed
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

Should you get SBI IRCTC Platinum Credit 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 decent reward. However, it is a very basic card for those who spend more than or equal to Rs. 20,000 on railway tickets per annum. 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.  SBI IRCTC card is meant for you only if you travel a lot by trains. You should, however, opt for other cards if you want some benefits from every category like shopping, rewards, dining, travel, etc.

SBI offers credit cards across different categories. Apply Online for Best SBI Credit Cards and find the right card for you.

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Cards Similar to IRCTC SBI Platinum Card

Credit Card Annual Fee Comparative Feature
IRCTC Rupay SBI Card Rs. 300 Up to 10% valueback on rail ticket bookings
MakeMyTrip ICICI Bank Platinum Credit Card Nil Up to 3 My Cash per Rs. 200 spent on MakeMyTrip
HDFC Bank Diners Club Rewardz Credit Card Rs. 1,000 Earn 3 Reward Point per Rs. 150 spent ( Reward Point = 0.30 Airmile)
Air India SBI Platinum Credit Card Rs. 1,499 15 Reward Points per Rs. 100 spent on Air India tickets booked through airindia.com
IRCTC SBI Card Premier Rs. 1,499 10% back on AC1, AC2, AC3, AC CC as reward points ; 5% back Air ticket purchases
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FAQs

How can I redeem reward points from SBI IRCTC Card?
These reward points can be redeemed by linking your IRCTC SBI Card loyalty number with your IRCTC login id. Redemption of reward points can be done online via IRCTC website or Android IRCTC mobile app.

What is the travel offer by IRCTC on this card?
You can save 1% transaction charges on train ticket bookings done on the IRCTC website. Apart from that, on booking tickets for AC1, AC2, AC3 and AC CC via IRCTC portals, you get up to 10% value back as reward points.

What is the Renewal Fee on this credit card?
The Renewal Fee on this credit card is Rs. 300.

What transaction surcharge waivers does this card offer?
You can save 1% transaction charge on railway ticket bookings done via the IRCTC website and 1% on fuel surcharge.

What is the value of reward points in Indian Rupees?
1 Reward Point is worth Rs. 1.

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