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IRCTC SBI Platinum Credit Card

Apply IRCTC SBI Platinum Credit Card

4.3

Reward Type

Travel

Joining Fee

500₹

Annual Fee

300₹

View Details

Features

    Welcome benefits

  • Get 1,500 Reward Points worth Rs. 1500 on payment of joining fee

    Cashbacks & Rewards

  • 10% Value Back as Reward Points for your IRCTC ticket Booking (for Android only) on AC1, AC2, AC3, AC CC
  • Earn 3 Reward Points per Rs. 125 spent on Dining and standing instructions on Utility spends
  • Earn 1 Reward Point per Rs. 125 spent on other non-fuel purchases
  • Earn 2,500 Reward Points on annual travel spends of Rs. 50,000
  • Earn 5,000 Reward Points on annual travel spends of Rs. 1,00,000
  • 1 Reward Point = Rs. 1

Pricing

  • Joining Fees Rs. 1499
  • Annual fees Rs. 1499 (waived on annual spends of Rs. 2 Lakhs)

Documents Required

  • Passport size photo (coloured)
  • Proof of address (electricity bill, ration card)
  • Photo ID Proof (driving licence, voter ID)
  • Income Proof (IT Returns, Salary slip, Form 16)
  • A signed consent form.
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IRCTC SBI Platinum Credit Card

Overview of IRCTC SBI Platinum Credit Card

If you are a constant traveler by train, then you need IRCTC SBI Platinum Credit Card. You can redeem them easily for attractive options from a range of categories like travel, premium merchandise, and much more. It has a flexible rewards redemption program. Read on to know more about IRCTC SBI Platinum Credit Card offers.

How To Apply For IRCTC SBI Platinum Credit Card?

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The SBI IRCTC Platinum Credit Card is a travel credit card by the State Bank of India in partnership with the IRCTC. This card offers a wide range of benefits & offers some of the best travel, retail and dining benefits for its customers. Some of the benefits of this amazing travel credit card are bonus reward points on online spends, transaction charge waiver every time you book your train tickets through IRCTC, reward points on non-fuel purchases, fuel surcharge waiver across all petrol pumps in India and much more. You can also use your IRCTC SBI Platinum Credit Card globally to make payments at any outlet that accepts Visa or MasterCard. Planning to apply for an SBI IRCTC Platinum Credit Card? But before you apply, we recommend you to check your credit score. Knowing your credit health helps you make informed credit decisions. Check your credit score for free at CreditMantri. You can apply for the credit card through CreditMantri. CreditMantri pre-screens your application to make sure you are likely to qualify as per the lender’s credit criteria. Hence, the chance of your credit card application getting approved is higher. It is quick, simple and above all, free. Get started. Check your FREE credit score at CreditMantri. https://www.creditmantri.com/credit-score/ Download App: http://bit.ly/38FFAUp Follow us on Facebook: https://www.facebook.com/CreditMantri/ Twitter: https://twitter.com/CreditMantri/ Instagram: https://www.instagram.com/creditmantri/ LinkedIn: http://bit.ly/2IHFRvw Pinterest: https://www.pinterest.com/creditmantri/ "For reviews about CreditMantri and write your reviews, click here https://www.creditmantri.com/reviews/ If you have any queries related to our services, you can log in to CreditMantri and write under the 'Need Help' section and we will get back to you immediately. Check your FREE credit score at CreditMantri. https://www.creditmantri.com/credit-score/

Quick Links To Handle Your SBI Credit Card

There are various procedures associated with the State Bank credit card. Here are some quick links to handle your State Bank credit card

Key Features of SBI IRCTC Platinum Credit Card

1. Co-branded credit card with SBI and IRCTC

2. Welcome gift – 350 bonus reward points upon activation. Valid on spending Rs. 500 within the first 45 days of the issue of the card.

3. Get up to 10% value back on AC1, AC2, AC3, and AC CC train ticket bookings made through the IRCTC website.

4. Get 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at the official irctc website.

5. Railway Lounge Program – Get 4 complimentary railway lounge access in a year. Maximum 1 per quarter.

6. Avail of a 1% fuel surcharge waiver on transactions between Rs. 500 – Rs. 3,000.

7. Accepted both in India and abroad

8. Chip-enabled card for enhanced security

9. Zero lost card liability

10. Interest-free credit period of up to 50 days

11. Option to convert purchases into easy monthly installments

Key Benefits of SBI IRCTC Platinum Credit Card

1. Transaction charges waiver – Save 1% on transaction charges when you book railway tickets at the official IRCTC website through the SBI IRCTC Platinum credit card.

2. Visa offers – Get amazing offers on travel, golf, dining, and other entertainment options from visa.

3. Contactless advantage – The card is safe and secure as you do not need to swipe the card to execute a transaction. Simply wave the card to complete the transaction.

4. Fast and convenient – The wave option makes it very fast and convenient as the card doesn’t exchange hands.

5. Safe and secure – The transactions are safe and secure as the process is completely contactless.

6. Cash on the go – Get the facility of withdrawing cash from over 18,000 visa ATMs in India out of which there are 10,000 SBI ATMs across 100 cities in India.

7. Global Acceptance – You can use your SBI IRCTC Platinum credit card in over 29 million visa outlets worldwide and 3,25,000 outlets in India.

8. Add-on cards – You can get add-on cards for your family including parents, spouse, and children (above the age of 18).

9. Easy bill pay facility – You can use the easy bill pay facility to pay your utility bills like electricity, telephone, etc. You can also use the SBI IRCTC Platinum Credit card to pay your insurance bills.

10. Balance transfer on EMI – Avail of a lower interest rate when you transfer your other bank credit card’s balance to the SBI IRCTC platinum credit card. Pay back in easy EMIs.

11. Railway ticket booking – Avail of the facility to easily book your train tickets using an SBI IRCTC platinum credit card and get them delivered to your doorstep.

Fees and Charges for SBI IRCTC Platinum Credit Card

Type of Fee

Fees

Notes

Annual fee

Rs.500 + GST

-

Renewal fee

Rs.300 + GST

-

Add-on fee

NIL

-

Cash Advance fee

2.5% or Rs. 500

Whichever is higher

Cash payment fee

Rs. 250 + taxes

-

Cash advance finance charges

3.5% per month or 42% per annum

-

Dues between Rs.0-Rs.500

NIL

-

Dues between Rs.500-Rs.1,000

Rs.400

-

Dues between Rs.1,0000-Rs.10,000

Rs.750

-

Dues between Rs.10,000-Rs.25,000

Rs.950

-

Dues between Rs.25,000-Rs.50,000

Rs.1100

-

Dues above Rs. 50,000

Rs.1300

-

Overlimit fees

2.5% or Rs. 600

Whichever is higher

Payment Dishonor fee

2% or Rs. 500

Whichever is higher

Rewards redemption fee

Rs.99

-

Card replacement fee

Rs. 100 - Rs. 250

-

Credit limit increase fee

Rs. 200

-

Network change fee

Rs. 200

-

Cheque payment fee

Rs.100

-

Foreign currency transaction fee

1.99% - 3.5%

-

Processing fees on rental transactions

Rs.99

-

The Eligibility Criteria for SBI IRCTC Platinum Credit Card

Age

21-70 years

Nationality

Indian

Employment status

Salaried/Self-employed

Credit score

Higher the better

Documentation needed for SBI IRCTC Platinum Credit Card

Identity proof

Aadhaar card/Voter ID/Driving License/Passport/PAN Card

Income proof (Salaried)

Form 16/IT Returns/Salary slip

Income proof (Self-employed)

Proof of business ownership/proof of business continuity/Office address proof/Bank statements(last 6 months)/Audited financials (last 2 years)

Address proof

Aadhaar card/Voter ID/Ration Card/Passport/Telephone bill/Electricity bill/

The Process to redeem reward points of IRCTC SBI Platinum credit card

The reward points accrued on the credit card can be redeemed in the following ways -

1. Log in to the official IRCTC website using the registered username and password connected to your loyalty number.

2. While at the payment gateway, choose the “rewards point” option to pay for your IRCTC railway ticket.

3. Rewards redemption is only allowed on confirmed or RAC railway tickets booked for the following categories - 1st Class AC, Executive Chair Car, AC 2 Tier, AC 2 Tier, and AC Chair Car.

4. Note: Reward points can also be redeemed at Rs.1/reward point.

The Application Process for SBI IRCTC Platinum Credit Card

Apply for the SBI IRCTC Platinum Credit card via CreditMantri –

1. Click on “Check Eligibility”

2. Enter details like Email ID, Mobile Number, Residence city, Employment type, Residence, and Pin code

3. Click on “Submit”

4. You will get an OTP on the registered mobile number. Enter that.

5. Go ahead and complete the rest of the application.

Apply for the SBI IRCTC Platinum Credit card on the SBI Cards website –

1. Go to the SBI Cards website

2. Go to the “Credit Cards” section

3. Choose “SBI IRCTC Platinum Credit Card”

4. Click on “Apply Now”

5. You will need the scanned copy of the following documents – PAN Card, Photograph, Aadhaar number, Bank A/c details

6. Click on “Start Apply Journey”

7. Complete the rest of the application

Apply for the SBI IRCTC Platinum Credit Card Offline

You can walk into any branch of SBI with the required documents and fill out the form to apply for the Sbi Credit card. You can also apply by contacting customer care.

FAQs of SBI IRCTC Platinum Credit Card

1. Can I withdraw money from my SBI IRCTC credit card?

Yes, you can withdraw up to 80% of your credit limit.

2. Does the SBI IRCTC Platinum credit card give access to the railway lounge?

Yes, it does. You get up to 4 complimentary access in a year. Maximum 1 per quarter.

Latest & Update Irctc Sbi Platinum Credit Card News

Do you book tickets on IRCTC often? You should have this credit card19 Feb 2019

SBI IRCTC Platinum Visa Credit Card is a credit card made available by the premier nationalized bank in India. If you are a frequent user of the website IRCTC for booking train tickets, then this card gives you the maximum benefits. All your booking...

Read more

SBI IRCTC Platinum Visa Credit Card is a credit card made available by the premier nationalized bank in India. If you are a frequent user of the website IRCTC for booking train tickets, then this card gives you the maximum benefits. All your bookings on AC1, AC II, AC III and AC CC categories of seats earn you rewards points to the value of 10% of the purchase amount which could be redeemed for a variety of other purchases or even train tickets on IRCTC. In addition, transaction charges of 1.8% and all other charges are also waived for these cardholders. The card comes with a one-time annual fee of Rs 500 and a renewal fee of Rs 300.

Irctc Sbi Platinum Credit Card - Customer Reviews

4 / 5 (483 Reviews)
26 Sep 2018

Very Good

8 Aug 2018

Good service

6 Aug 2018

VERY NICE

16 Jun 2018

Very Good

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