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Fees
Pros/Cons
Joining Perk
Eligibility
USP
10% value back on railway tickets purchase
IRCTC SBI Platinum Card

IRCTC SBI Platinum Card

Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
₹500
Joining Fee

Available in 516 cities
Min Income - 20K/month
Fees
Pros/Cons
Joining Perk
Eligibility

Fees

₹500
Joining Fee
₹300
Annual Fee
Get 2000 Chqbook Coins

Other Fee Benefits

  • Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
  • Special Value Bank Privileges: The SBI IRCTC Platinum Credit Card offers many value bank advantages for its customers. The cardholders get up to 10% value back on purchasing tickets for AC1, AC2 and CC as railways points on the IRCTC website. The card also offers several turbo points on daily purchases which are subject to a maximum limit and other terms and conditions
  • Relief from Fuel Surcharge: The SBI IRCTC Platinum Credit Card provides the benefits of fuel surcharge exemptions. The users have to use their SBI Platinum IRCTC Credit Card to purchase diesel, petrol or lubricants at any petrol pump outlet so as not to pay any additional charges on fuel. Purchasing fuel for an amount between Rs. 500 and Rs. 3,000 each time allows you to avail 1% fuel surcharge exemption offer. The waiver on additional charges of Rs. 100 each month per credit card account is acceptable with this card.
  • Purchasing fuel for an amount between Rs. 500 and Rs. 3,000 each time allows you to avail 1% fuel surcharge exemption offer. The waiver on additional charges of Rs. 100 each month per credit card account is acceptable with this card.
  • Facility for Utility Bill Payment: The Platinum SBI IRCTC Credit Card has the facility for Easy Pay, where the users can use the card to pay their bills online. This feature helps you to pay your utility bills on time as regular reminders are sent on your registered mobile number. All the utility bill payments like insurance, electricity, telephone, etc. can be paid before the last date with this facility from the SBI IRCTC Credit Card
  • Offers on IRCTC Travel: IRCTC offers some of the most attractive package deals for the SBI Platinum IRCTC Credit Card holder which includes some unique privileges and travel packages. The SBI Platinum IRCTC Credit Card is convenient for use to make online bookings. The SBI Platinum IRCTC Credit Card allows flexibility in booking railway tickets without any hassle. Moreover, the SBI Platinum IRCTC Credit Card is characterized by a multitude of e-commerce purchase options available on the IRCTC website. You have an opportunity to make a choice from among 5,000 hotels across more than 350 cities in the country to do bookings. The SBI Platinum IRCTC Credit Card users can get customized tour packages which include adventure tours, leisure tours, pilgrimage packages and wildlife gateways for individual tourists and groups

Chqbook Review

The SBI IRCTC Platinum Credit Card has been expressly designed for users so as to address the specific needs and preferences in travel and lifestyle. The SBI IRCTC Platinum Credit Card adds an aesthetic touch to the users’ regular expenditure and travel bookings. The SBI IRCTC Platinum Credit Card brings the unique blend of conveniences and privileges which includes 100% value pack on the AC Ticket fare as railways points and complimentary membership to Shubh Yatra Scheme for regular traveler’s et al

  PROS

  • Facilities such as Flexipay help you with easy money and transfer of balance amount or automated payment of bills. Convert your transactions in monthly installments with Flexipay. Just transact for ₹ 2,500 or more and log on to the official website of SBI within 30 days of purchase to convert it into Flexipay
  • The SBI IRCTC Platinum Credit Card has exemplary reward packages for its customers. Buy tickets through the official website of IRCTC for AC1, AC2. AC3 and AC CC and gain upto 10% Valueback as turbo points (1 Reward Point = ₹ 1). You can also gain 1 Reward point for every ₹ 125 expended on non-fuel retail purchases, including booking of railway ticket through the official website of IRCTC
  • The SBI IRCTC Platinum Credit Card holders are exempted from paying the additional charge of on 1% fuel across all petrol pumps in India, on transactions of ₹ 500 - Rs. 3,000, exclusive of GST and other charges
  • The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
  • The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
  • As the SBI Platinum IRCTC Credit Card has universal acceptance, the card holders can withdraw cash anytime from any Visa ATM. The users have the alternative to withdraw cash from over 1.2 million VISA ATMs across the world which includes 18,000 ATMs in India. You also get access to over 10,000 SBI ATMs across over 100 cities in India itself from where you can withdraw money anytime

  CONS

  • Interest rate charges of SBI IRCTC Platinum Credit Card are a tad bit high in comparison to its compeers. The rate of interest is 3.35% per month (40.20% per annum)
  • While the SBI IRCTC Platinum Credit Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points

Joining Perks

  • The SBI IRCTC Platinum Credit Card gifts you with 350 bonus reward points on spending ₹500 or more within 45 days of issuing of the card

Eligibility

  • Be at least 21 (twenty-one) years old at the time of application,

Documents Required

  • Any one of the following as ID Proof: Passport/Voter ID/Driving License/UID Aadhar Number

Rewards

  • You can gain as much as 10% value back as reward points for purchasing tickets through the official website of IRCTC for AC1, AC2, and AC CC. In addition, you gain 1 reward point for every ₹125 spent on railway ticket bookings online through the IRCTC official website and non-fuel retail purchases
  • You can gain as much as 10% value back as reward points for purchasing tickets through the official website of IRCTC for AC1, AC2, and AC CC. In addition, you gain 1 reward point for every ₹125 spent on railway ticket bookings online through the IRCTC official website and non-fuel retail purchases
  • You can redeem your points against railway ticket bookings through the official website of IRCTC
273 Reviews Sort
Newest

Getting rewards points on ac categeries

3 months ago | Madan Saini
Having associated with this card you can earn up to 10% value back as reward points on buying train tickets at irctc.co.in for AC1, AC2, and AC CC categories.

Happy with this card

3 months ago | Krishnapriya Purra
This gives the freedom to shop and earn reward points, and then using those reward points for shopping again. I am the proud owner of this credit card and I am very happy by using this in my day to day life.

Good customer service

3 months ago | Sasidharan Mangattumali Janardhanan
SBI bank credit card is a very good bank when compared with the other bank's credit card and the customer care service is also very much good. Its a zero annual fee free card since i have a salary account with IRCTC. With this card I have received a very good credit limit.

Credit limit is sufficient for me

3 months ago | Vinodhini . R
There was no annual fee charged at the time of getting this credit card. Offers like cash back and reward points are available in this credit card. All my transactions are hassle free on this card. I have a credit card with sbi bank from last 2 years, the credit limit is sufficient in this credit card.

The card is loaded full of feature

3 months ago | Manohar Kandaswami Mudaliar
This card is loaded of features. With the VISA branding, you are eligible for exclusive delights like dining deals from luxury hotels, discounts at lifestyle stores and spas. Also, get to enjoy Global Emergency Assistance Service for reporting a lost card and for emergency card replacement.

Customer service is very responsive

3 months ago | Sakshi Narang
This is the first time I am using a credit card. I am happy with it. I have used the website which was easy to access. IRCTC sbi card is easy to apply card through online. The process was very faster and quick. The customer service is very responsive.

Good service provider

3 months ago | Irina Nishat
SBI bank provides good services on credit card when compared to all other credit cards. I am using IRCTC SBI Platinum Card from last 3 months.

Life time free card

3 months ago | Avinash Manhotra
It is a Lifetime free card, as I have a savings account with the sbi bank, it is so easy to make payments and track the spending. It is so convenient to manage the credit card payments in conjunction with the savings account. I've been using IRCTC Credit card from quite some time.

Great offer with this card

3 months ago | Anandharaj J
My credit card was taken with SBI. Annual fee is Rs. 500 and it is satisfactory. Mostly I use this credit card to do shopping, booking flight, train tickets. They offered good credit limit but they charge very high interest rate compare to others. Customer service respond is good.

Wonderful card for me

3 months ago | Ramanand Kumar
I used this card mainly for the fuel purpose. It allows me to earn reward points along with cash back offers. I have got a very good credit limit of 50000 and I'm very much satisfied with this card. There is no annual fee charged with this card.