IRCTC SBI Platinum Card
Last Updated : July 23, 2025, 5:12 p.m.
The IRCTC SBI Platinum Card is designed to offer value-packed benefits for those who frequently travel by train. A co-branded credit card launched by SBI Card and IRCTC, it rewards users with accelerated reward points, exclusive travel benefits, and savings on IRCTC bookings. If you’re a regular Indian Railways traveler, this card can help you save significantly while offering convenience, security, and rewards.
Key Highlights of IRCTC SBI Platinum Card
- Save up to 10% on IRCTC ticket bookings
- Complimentary railway lounge access
- Reward points on everyday spends
- Annual fee waiver on reaching spend milestone
- Secure contactless payments
Top Features and Benefits
1. Welcome Benefit
Get 350 activation bonus reward points on a single transaction of ₹500 or more within 45 days of receiving the card.
2. Travel Booking Benefits
- Book railway tickets through IRCTC's official website or mobile app using this card and get up to 10% value back (in the form of reward points).
- Transaction fee waiver of 1% on booking tickets via IRCTC with the card.
3. Reward Points
- Get 1 reward point per Rs. 125 spent on non-fuel retail purchases.
- Get 10% value back as Reward Points on IRCTC ticket bookings (across AC1, AC2, AC3, and AC CC classes).
Note : 1 Reward Point = ₹1 when redeeming against IRCTC bookings.
4. Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver at petrol pumps across India for transactions ranging between ₹500 and ₹3,000.
5. Complimentary Railway Lounge Access
Enjoy 4 complimentary visits per year (1 per quarter) at select railway lounges across India.
6. Contactless Advantage
Pay securely with just a tap. The contactless feature ensures faster and safer payments, especially in busy retail environments.
Fees and Charges
| Particulars | Charges |
|---|---|
Joining Fee | ₹500 + GST |
Annual Renewal Fee | ₹300 + GST (from 2nd year onwards) |
Annual Fee Waiver | Waived on spending ₹50,000 or more in a year |
Finance Charges | Up to 3.5% per month |
Reward Redemption Fee | ₹99 + GST per request |
Eligibility Criteria
To apply for the IRCTC SBI Platinum Card, you should meet the following requirements:
- Age: 21 to 65 years
- Indian resident with a stable income source
- Good credit score (ideally 700+)
- Valid KYC documents (Aadhaar, PAN, address proof)
Documents Required
- PAN Card
- Aadhaar Card / Voter ID / Passport
- Income proof (salary slip, ITR, or Form 16)
- Recent passport-size photograph
Who Should Get This Card?
This card is perfect for:
- Frequent Indian Railways travelers
- Individuals booking train tickets online via IRCTC
- Budget-conscious users who want maximum value from daily spends
- Users who prefer simple reward redemption through travel portals.
Comparison with Other Travel Cards
| Feature | IRCTC SBI Platinum Card | Yatra SBI Card | SBI Card ELITE |
|---|---|---|---|
Best For | Train travel savings | Domestic flights | Premium benefits |
Lounge Access | Railway lounges | Airport lounges | Domestic & international lounges |
Joining Fee | ₹500 | ₹499 | ₹4,999 |
Redemption | IRCTC website/app | Yatra.com | Multiple platforms |
Final Verdict
The IRCTC SBI Platinum Card is a smart financial tool for train travelers in India. It not only helps you save on every IRCTC booking but also rewards you for everyday spending. With low annual fees, exclusive railway lounge access, and seamless reward redemption, it offers tremendous value to frequent train commuters.
If you travel regularly by Indian Railways and want a card that gives you real travel savings and convenience, the IRCTC SBI Platinum Card is a top pick.
Frequently Asked Questions (FAQs)
