IRCTC SBI Platinum Card : Apply Online
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IRCTC SBI Platinum Card

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IRCTC SBI Platinum Card

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.

IRCTC SBI Platinum Credit Card

Highlight

  • Save 1.8% transaction charges on railway ticket bookings
  • Book your airline tickets with IRCTC at unbeatable prices

Best Suited For

  • Fuel

Features of IRCTC SBI Platinum Credit Card

  • Global Acceptance
    • IRCTC SBI Platinum Credit Card is accepted in over 29 million outlets across the globe, including over 3 lakh outlets in India.
  • Add-on Cards
    • Embolden your family-members with add-on cards (minimum age for add-on: 18 years)
  • Cash Access Across the World
    • Withdraw cash from over 1 million Visa ATMs across the globe.
  • Easy Bill Pay Facility
    • Pay your utility bills using your IRCTC SBI Platinum Credit Card.
  • Easy Bill Pay Facility
    • Pay your utility bills using your SimplyCLICK SBI Credit Card.
  • Flexipay
    • Convert your transactions of Rs 2500 and above into easy monthly installments.
  • Balance Transfer on EMI
    • Now save money while paying your credit card dues.
    • Transfer your outstanding balance of other credit cards to your IRCTC SBI Platinum Credit Card and avail lower rate of interest and pay back in EMI.

Benefits of IRCTC SBI Platinum Credit Card

  • Welcome Gift
    • Earn 350 bonus reward points on single transaction of Rs 500 or more within 45 days of receiving the card.
    • Get Rs 100 cashback on first ATM cash withdrawal within 30 days of card issuance.
  • Value Back Benefits
    • Earn upto 10% Valueback as reward points on buying tickets through irctc.co.in.
    • Get 1 reward point for every Rs 125 spent on non-fuel retail purchases.
  • Milestone Rewards
    • Get Cleartrip e-voucher worth Rs 2000 on annual online spends of Rs 1 lakh.
  • Travel Offers
    • Get 1.8% off on transaction charges on railway ticket bookings through irctc.co.in and also avail exclusive travel benefits.
    • Get an array of tailor-made packages for various places across India across various travel type like adventure, wildlife, leisure, pilgrimage etc.
    • Avail accommodation at over 5000 hotels, covering 350 cities in India.
  • Fuel Surcharge Waiver
    • 1% fuel surcharge across all petrol pumps in India on transaction between Rs 500 – Rs 3000.

Eligibility Criteria for IRCTC SBI Platinum Credit Card

  • Age of salaried applicant must be between 21 – 70 years.
  • Age of self-employed applicant must be between 25 – 70 years.
  • The applicant must be an Indian citizen.
  • Applicant must have a good credit score.
  • The add-on cardholder must be above 15 years of age.
  • Applicant should be able to produce all the necessary documents.

Documents Required for IRCTC SBI Platinum Credit Card

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Other Documents Required
  • Recent passport sized photograph

How to apply for IRCTC SBI Platinum Credit Card

  • Click here to start the application process.
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc. to check your eligibility.
  • If eligible, you will be redirected to the online application page.
  • Fill the online application form and submit the form.
  • Upload and submit the required documents.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com

Fees & Charges of IRCTC SBI Platinum Credit Card

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 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 transaction amount, minimum of Rs 75

IRCTC SBI Platinum Late payment

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

Reward Point Benefits on your IRCTC Platinum SBI Credit Card

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 spends. 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 the following reward points on your IRCTC Platinum SBI Credit Card:

  • 350 activation bonus reward points on single transaction of Rs 500 or more within 45 days of getting the card.
  • Upto 10% valueback as reward points on booking AC railway tickets through the IRCTC website.
  • Earn 1 reward point for every Rs 125 spent on non-fuel retail purchases, including railway ticket purchases at the IRCTC official website.
  • Redeem reward points against your SBI credit card outstanding balance or to redeem gifts from SBI Credit Card Rewards Catalogue.

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 cancelled 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.

How to check your IRCTC Platinum SBI Credit Card reward points?

To check your reward points gained from your IRCTC Platinum SBI Credit Card:

  • Choose IRCTC Platinum SBI Credit Card on the official SBI website.
  • Click on “Terms and Conditions”.
  • Click on the “Shop and Smile” reward program.
  • The points that you have earned will be mentioned under the “Points Earned Accumulated/Redeemed” section in your account.

How to redeem IRCTC Platinum SBI Credit Card reward points?

Redeem reward points through Website

  • Login to www.sbicard.com.
  • Click on “Rewards” and then click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem now” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your IRCTC Platinum SBI Credit Card.

Redeem reward points through Mobile App

  • Login to SBI Card Mobile App.
  • Click on “Rewards” at the left-hand side and click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your IRCTC Platinum SBI Credit Card.

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:

  • 1860 180 1290
  • 1800 180 1290
  • 39020202 (STD code)
  • For Balance Enquiry – 8422845512
  • For Reward Points Summary – 8422845514
  • For Available Credit Limit and Cash Limit – 8422845513
  • For Last Payment Status – 8422845515

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

  • To block your lost or stolen SBI credit card, message BLOCK XXXX to the given number
  • To know about available credit and card limit, message AVAIL XXXX
  • To know the last payment status for your SBI credit card, message PAYMENT XXXX
  • To know reward points summary for your SBI credit card, message REWARD XXXX
  • To know about your SBI credit card balance, message BAL XXXX
  • To request a duplicate statement for your SBI credit card, message DSTMT XXXX MM (statement month)
  • To subscribe for SBI credit card e-statement, message ESTMT XXXX

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.

IRCTC Platinum SBI Credit Card Online Application Status

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.

IRCTC Platinum SBI Credit Card Online Bill Payment

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?

    1. Login to the IRCTC website with your existing username and password. If you are a new user, register with the same e-mail id, mobile no. and date of birth which was used to apply for IRCTC Platinum SBI Credit Card.
    2. Select the “Add Loyalty Account” option under the “Loyalty” tab on menu bar.
    3. Enter the 11-digit loyalty number printed on your IRCTC Platinum SBI Credit Card and click on “Send OTP”.
    4. Enter the OTP received and click on “Add Loyalty Account” button.
  • 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:

    1. Go to irctc.co.in and login with your username and password. Register for free if you are a new user.
    2. Follow the instructions provided on the IRCTC website to make your reservations.
    3. Make payments through your IRCTC Platinum SBI Credit Card at the payment gateways that accept a Visa Card.
  • 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:

    1. Login to IRCTC Next Generation E-ticketing System which is linked with your loyalty number.
    2. After entering the details of your journey, click on “Redeem Soft Points”.

    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.

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