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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
500 Reviews Sort
Newest

Customer service is very responsive

5 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.

Useful card

5 months ago | Sunny Upadhyay
I've been using the IRCTC Credit card. It offers good benefits along with opportunity to earn reward points. It has also got option to convert the big purchases into EMI's. It has been very useful service so far.

Happy with the services and feature of this card

5 months ago | Aviral Anand
I am using this card from past 2 years and overall happy with it's services and features. You can issue add-on card for your family members as is seen with other credit cards on offer.

Good card for travelling user

5 months ago | Mohammad Shahid Akhtarhusain Shaikh
This card allows me to facilitate lounge facilities and also the opportunity to earn more reward points, which can be redeed easily. I hold this card with sbi Bank and It is a good card for travelling.

Good card for shopping

5 months ago | Nikhilesh Chakravarthy Kurugonda
It's a good card to use for shopping purpose. You get good amount of cash back points with your every shopping. You can redeem it later.

Great deals on entertainment

5 months ago | Chaitanya Padhiary
IRCTC SBI Platinum Card gives the option to enjoy exclusive privileges from Visa and get great deals on entertainment, travel, dining and golf.

Not satisfied with this card

5 months ago | Raja Sahil Rajpoot
I am not satisfied with the procedure of the Bank. When I use the card for the first time, it got blocked. They unblock it after several requests.

Net banking is good to use

5 months ago | N Dorai Raj
Net banking is easy to make credit card bill payments. Offers like reward points are good in this credit card and there was no annual fee charged for this card. I have a IRCTC SBI Platinum Card from last 3-4 years, i did not face any transaction issues at the time of swiping this credit card.

Overall good experience with this card

5 months ago | Sastha Sai Kamal H
The overall experience with this card is really good. IRCTC offers some of the most exciting package deals including some exceptional privileges and travel packages.

Not happy with this card

5 months ago | Mohd Latief
I am not happy with this card. I have close this credit card because this is the basic card. I have surrendered this credit card already. They have offered me very less credit limit. For this card, they have offered me a credit limit of 90000 which is less. Provided services are also not up to the mark.