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IRCTC SBI Platinum Card

IRCTC SBI Platinum Card

Last Updated : Nov. 1, 2023, 11:48 a.m.

IRCTC SBI Platinum Card is an exclusive credit card designed to enhance your travel experience. This card offers a range of benefits and features that cater to the needs of frequent travelers. From reward points on every transaction to discounts on train tickets and exclusive lounge access, this card has it all. With its unparalleled privileges and benefits, the IRCTC SBI Platinum Card is a must-have for anyone who loves to travel in style. So, let’s explore the world of benefits that this card has to offer.

IRCTC SBI Platinum Card Offers April 2024

Welcome Gift350 activation bonus
Value Back Benefits10% Value Back Points
Reward Benefits1 Reward point for every Rs. 125
Travel Benefits1% off on railway bookings with
Railway LoungeMax 1 per quarter
Fuel Surcharge Waiver1% fuel surcharge
Transaction Charges WaiverWaiver of 1% Transaction Charges on booking of railway tickets through
Visa BenefitsTravel, golf, dining and other entertainment options from Visa
FlexipayJust transact for Rs. 2,500 or more and convert it into EMIs

Joining & Annual Fees and Other Charges

  • Joining Fee:₹ 500 (one-time)
  • Annual Fee:₹300 (per annum)
Types of FeesAmount (In ₹)
Card Replacement100-250
Rewards Redemption Fee99
Payment Dishonor500
Over Limit Fees600
Finance Charges3.50% per month
Cash Payment fee250
Cash Advance Fees500
Foreign Currency Transaction fee3.5%(For All Cards Except Elite & Aurum)
Processing Fee on all Rent Payment Transactions199
Balance Transfer1.7% per month (for 180 days tenure)

Late Fees Payment

Outstanding AmountCharges
For the amount between ₹ 0 to ₹500NIL
Exceeding ₹500 and up to ₹1,000₹400
Exceeding ₹1,000 and up to ₹10,000₹750
Exceeding ₹10,000 and up to ₹25,000₹950
Exceeding ₹25,000 and up to ₹50,000₹1,100
Above ₹50,000₹1,300

IRCTC SBI Platinum Card Eligibility Criteria

Know the eligibility criteria of IRCTC SBI Platinum Card by reading the points below.

  • An applicant should be an Indian resident
  • He/she should not be less than 21 years of age and should not be more than 58 years.
  • An applicant should have a good credit score and should not be a previous loan/credit card defaulter.

Documentation Checklist Needed

For your reference, below are the important documents you need to carry while applying for the card.

  • Proof of Identity – PAN Card/Aadhaar Card/Voter ID/Driving License/Passport
  • Proof of Address – Aadhaar Card/Voter ID/Driving License/Passport/Utility Bills
  • PAN Card
  • ITR or salary slips for the last 2 months
  • Passport sized photographs

Apply Online

You can easily apply for the card at Wishfin, an online marketplace for credit cards, loan and other financial products. All you need to do is to share a few personal and professional details. The executives, post receiving your application, will talk to you and forward your application to SBI after getting your consent. SBI will then verify the details and give a nod only when the verification is successful.

There are three modes – Application Form, Chat and WhatsApp – by which you can apply for this SBI card at Wishfin. Of the modes, WhatsApp application is something very unique and seamless at the same time. All you need to do is to enter your mobile number and click on Continue with WhatsApp. You will get added to a 2-member group with Wishfin the other one. You need to provide a few details for the application to be submitted to SBI for further processing.

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