The IRCTC SBI Platinum Credit Card was launched in association with IRCTC. It offers multiple travel benefits to the user at a minimal annual fee. It is a premium travel card with which you can save 1.8% on transaction charges.
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| Documents Required for Identity Proof |
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| Documents Required for Address Proof |
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| Documents Required for Income Proof |
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| Other Documents Required |
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Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com
| Fees/Charges | Amount |
|---|---|
| Annual Fee | Rs 500 + Taxes |
| Renewal Fee | 300 |
| Add-on Fee | Nil |
| Finance charges for extended credit | Up to Rs 25 or 3.35% per month (40.2% per annum), whichever is higher from the date of transaction |
| Minimum amount due for extended credit | 5% of Total Outstanding [ Min Rs 200 + all applicable taxes + EMI (in case of EMI based product) + OVL amount (if any) |
| Cash advance limit | Up to 80% of the credit limit, with a maximum of Rs 12,000 per day |
| Cash advance fee | 2.5% of the transaction amount, subject to a minimum of Rs 500 |
| Statement retrieval | Rs 100 per statement that is more than 2 months old |
| Payment Dishonor fee | 2% of the payment amount, subject to a minimum of Rs 450 |
| Cheque pick-up fee | Rs 100 |
| Overlimit | 2.5% of over-limit amount subject to a minimum of Rs 500 |
| Card replacement | Rs 100 |
| Emergency card replacement when abroad | Actual cost (subject to a minimum of $175) |
| Foreign currency transaction | Conversion markup of 3.5% |
| Cash payment fee | Rs 199 |
| Railway tickets through counters | Rs 30 + 2.5% of transaction amount |
| Railway tickets through irctc.co.in | 1.8% of transaction amount + service charge, as applicable |
| Payment of customs duty | 2.25% of the transaction amount, minimum of Rs 75 |
| Amount (in Rupees) | Late payment fees (in Rupees) |
|---|---|
| 0 – 200 | Nil |
| 201 – 500 | 100 |
| 501 – 1000 | 400 |
| 1001 – 10,000 | 600 |
| 10,001 – 25,000 | 800 |
| > 25,000 | 950 |
Now earn various reward points and bonus reward points at a faster pace with every transaction with your IRCTC Platinum SBI Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spending. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it.
These reward points can be redeemed to make several online purchases on www.sbicard.com. Customers can also redeem reward points against their SBI credit card outstanding balance.
You can avail of the following reward points on your IRCTC Platinum SBI Credit Card:
You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary card holder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be canceled or changed.
Gift vouchers will be valid for a period of three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer
SBI Credit Card Rewards Store/Catalogue
| Category | Brands |
|---|---|
| Accessories | Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc. |
| Apparel & Superstore | Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc. |
| Books & Periodicals | Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc. |
| Electronics | Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc. |
| Elite Book of Rewards | Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas |
| End of Season Sale | Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc. |
| Entertainment & Dining | BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins |
| E-voucher | MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc. |
| Festive Catalogue | Diesel |
| Health & Fitness | Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc. |
| Homeware | Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc. |
| Kids Zone | Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc. |
| Lifestyle | Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc. |
| Luxury | PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas |
| Memberships | Accor Plus/ Cult.fit/ FITPASS |
| Preferred partner | Card Protection Plan/ FBB/ Central |
| Travel & Holiday | MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc. |
To check your reward points gained from your IRCTC Platinum SBI Credit Card:
How to redeem IRCTC Platinum SBI Credit Card reward points?
Redeem reward points through Website
Customer care for SBI Credit Card
You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address or email id. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit score, annual spends, add on cards, required documents, annual fee, credit card application and many more in the best possible way through the SBI credit card helplines.
SBI Credit Card Toll Free Number:
SBI Credit Card “Simply SMS” Service
Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791
SBI Credit Card Postal Address
Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001
Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India
SBI Credit Card Email Click on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.
Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.
You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.
IRCTC Platinum SBI Credit Card Credit Limit
The credit limit depends on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business.
Existing cardholders can get good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment and business details before coming to a decision of whether it will raise the credit limit or not.
A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.
This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.
In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.
At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.
Do away with the bill payment delays by adding your IRCTC Platinum SBI Credit Card to the list of billers via net banking and pay your bills on time and avoid default.
If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can login and pay from the comfort of your home or office either on or before the due date.
Frequently Asked Questions (FAQs)
What is IRCTC Platinum SBI Credit Card?
IRCTC Platinum SBI Credit Card is a special card for the budget-conscious traveler which offers various travel benefits to the user at a minimal fee (just Rs 500) along with a comfortable and economical travel experience. It is a premium travel card with which you can save 1.8% on transaction charges, get 10% value back and 1% fuel surcharge waiver. You also get Rs 1000 off on domestic airfare with the IRCTC Platinum SBI Credit Card.
How to apply for IRCTC Platinum SBI Credit Card?
Log in to www.investmentcover.com to apply for IRCTC Platinum SBI Credit Card without any hassle. All you need to do is share a few required details in your Yatra SBI credit card application form. Investmentcover team will send your credit card application further to SBI. If the credit card application is approved, your credit card will be
What are the benefits of IRCTC Platinum SBI Credit Card?
IRCTC Platinum SBI Credit Card is a boon for frequent travelers and provides a multitude of benefits like Welcome gift of 350 bonus reward points, Fuel surcharge waiver, Low joining fee, Upto 10% Valueback and 1.8% transaction charges waiver on railway ticket bookings to name a few. It also provides facilities like Balance Transfer on EMI, Flexipay, Contactless advantage, Easy bill pay facility, Add on cards etc.
What is IRCTC Platinum SBI Credit Card Loyalty Number?
Your IRCTC Platinum SBI Credit Card Loyalty Number is an 11-digit number which gets allocated on approval of IRCTC Platinum SBI Credit Card. The loyalty number is imprinted below the cardholder name on the IRCTC Platinum SBI Credit Card. You can get the benefits of the IRCTC Platinum SBI Credit Card by linking your IRCTC Platinum SBI Credit Card loyalty number to your existing irctc.co.in login.
How to link IRCTC Platinum SBI Credit Card to IRCTC account?
How to pay bills of IRCTC Platinum SBI Credit Card online?
IRCTC Platinum SBI Credit Card bill can be paid through various methods such as Online Banking (through your SBI account); NEFT (through any bank account); Paynet-Pay Online (through net-banking); SBI Mobile App YONO; Via UPI (money transfer between 2 accounts); Debit card (through other bank debit card) and many more. Click on any payment method to learn more about it and click here to learn about all methods.
Who is eligible for IRCTC Platinum SBI Credit Card?
Only Indian citizens can apply for the IRCTC Platinum SBI Credit Card. Salaried applicants should be aged between 21-70 years and applicants who are self-employed should be aged between 25-70 years. Applicants must also have a good credit score. Applicants must be above 15 years of age and should be able to produce all the required documents.
How to use IRCTC Platinum SBI Credit Card for railway ticket booking?
Follow the given steps to use IRCTC Platinum SBI Credit Card for railway ticket booking:
How to redeem IRCTC Platinum SBI Credit Card reward points against railway ticket purchases?
Follow the given steps to redeem IRCTC Platinum SBI Credit Card reward points against railway ticket purchases:
These points can be redeemed only for Confirmed/RAC/WL tickets on 1st Class AC, AC 2 Tier, Executive Chair Car and AC Chair Car Travel. The reward points can be redeemed for a complimentary ticket only after the user has acquired a minimum of 500 reward points in the account. 1 travel point = Re 1.
How to cancel IRCTC Platinum SBI Credit Card?
To cancel you IRCTC Platinum SBI Credit Card, you need to first pay off all the outstanding as SBI will not cancel a card that has not been paid in full. Then, you can either call SBI or write to them to cancel your card. You can call SBI at 1860-180-1290 or write to them by sending a letter to SBI Card, PO – Bag 28, GPO, New Delhi – 110001.You are also required to cancel your card after placing your card cancellation request.
How to increase IRCTC Platinum SBI Credit Card limit?
Cardholders can visit www.sbicard.com and choose to increase their credit limit. Alternatively, they can also SMS “INCR XXXX” (last 4 digits of your card number) to 5676791 from their registered mobile number to increase their credit limit for SBI Elite Advantage Credit Card.
What will happen to the Reward Points in case I forget to pay the renewal fees?
IRCTC extends a grace period of 3 months (90 days) from the date of expiry of membership for fee renewal. During this period, you can earn reward points but cannot redeem them. The account expires and reward points lapse permanently post-expiry of this grace period.
Will I earn reward points for IRCTC mobile app booking too?
No, you will not be eligible to earn Travel Reward Points on tickets booked on IRCTC mobile app.
Will I get the reward points if I forgot to mention the IRCTC Platinum SBI Credit Card at the time of booking?
No, you must mention the IRCTC Platinum SBI Credit Card loyalty number at the time of booking the tickets to avail the benefits.
Will I get reward points on concessional tickets?
Yes, travel reward points will be awarded on concessional tickets, including ticket for senior citizens. No reward points will be given for voucher transactions like Military Warrants, PTOs etc.
