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Features of the PNB IRCTC SBI Card Platinum

  • Reward Points on Railway Bookings: One of the standout features of the PNB IRCTC SBI Card Platinum is its reward points program for railway ticket bookings. Cardholders can earn up to 10% value back as reward points when booking tickets for AC1, AC2, AC3, Executive Chair Car, and Chair Car through the IRCTC website or the IRCTC Mobile App (Android only). For every Rs. 125 spent on railway ticket purchases, cardholders earn 1 reward point, with each point valued at Rs. 1 for redemption. The reward points are credited to the cardholder’s IRCTC loyalty account within 45 days of the transaction, provided the account is active and linked to the card’s 11-digit loyalty number. This feature is particularly beneficial during off-peak seasons (January 15–March 31 and July 15–September 15), where the 10% value back is maximized, while a 5% value back applies during peak seasons.
  • Transaction Charge Waiver: The card offers a 1.8% waiver on transaction charges for railway ticket bookings made through the IRCTC website. This waiver applies only to bookings made directly on and not through IRCTC partner websites. The savings are credited monthly based on the updated Merchant ID/Terminal ID list, reducing the overall cost of train travel. This feature ensures that frequent travelers can save on additional charges that typically accompany online ticket bookings, making the card a cost-effective option for rail enthusiasts.
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    • Complimentary Railway Lounge Access: Cardholders are entitled to 4 complimentary railway lounge accesses per year, with a maximum of one visit per quarter. This benefit is exclusive to the primary cardholder and requires presenting the PNB IRCTC SBI Card Platinum at participating lounges in cities such as Delhi, Jaipur, Agra, Ahmedabad, and Kolkata (Sealdah). The lounges provide a comfortable waiting environment with amenities like seating, refreshments, and Wi-Fi, enhancing the travel experience for frequent train passengers.
    • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, excluding GST and other charges. The maximum waiver is capped at Rs. 100 per statement cycle per credit card account. This feature is valuable for cardholders who drive, as it reduces fuel expenses, making the card versatile for both travel and everyday use.
    • Contactless Payment Technology: The PNB IRCTC SBI Card Platinum is equipped with contactless payment technology, allowing cardholders to make quick and secure transactions by waving the card at a secure reader. This feature is ideal for small-ticket purchases, eliminating the need to swipe the card or handle cash.
    • Global Acceptance: Powered by Visa, the card is accepted at over 29 million Visa outlets worldwide, including 3,25,000 outlets in India. It can also be used to withdraw cash from over 1 million Visa ATMs globally, including 18,000 Visa ATMs and 10,000 SBI ATMs across 100 cities in India.
    • Welcome Bonus: Earn 350 activation bonus reward points on a single transaction of ₹500 or more within 45 days (excluding fuel and cash). Get ₹100 cashback on the first ATM cash withdrawal within 30 days of card issuance.
    • Flexipay Option: Convert any transaction above ₹2,500 into easy monthly EMIs within 30 days through sbicard.com. Helps manage large purchases without straining your monthly budget.
    • Easy Money Facility: Avail short-term funds at a lower interest rate, up to 75% of your available cash limit (minimum ₹5,000). The amount is credited directly via NEFT, offering convenience in emergencies.
    • Balance Transfer on EMI: Transfer outstanding balance from other bank credit cards to your PNB IRCTC SBI Card Platinum and repay in EMIs at lower interest rates via sbicard.com.
    • Visa Privileges: The card provides access to exclusive Visa offers on travel, golf, dining, and entertainment. These privileges include discounts on car rentals (up to 10% on Hertz and 35% on Avis), hotel stays (up to 10,000 miles per night on Kaligo.com), and other curated travel packages across 900 luxury hotels worldwide. These offers enhance the card’s appeal for travelers seeking premium experiences.
    • Add-On Cards: Apply for add-on cards for family members above 18 years (spouse, parents, siblings, or children) and share credit limits and reward benefits.
    • Online Ticket Delivery: Enjoy doorstep delivery of railway tickets booked via the IRCTC website or mobile app—adds convenience for digital travelers.
    • Emergency Card Replacement: Get 24x7 global emergency card replacement through SBI or Visa customer care in case of card loss or theft.
    • Reward Points on Non-Fuel Purchases: Earn 1 reward point for every ₹125 spent on shopping, dining, or entertainment. Redeem points on IRCTC or SBI Card rewards platform.
    • UPI Integration: Link your card to UPI apps (PhonePe, BHIM, GPay, Mobikwik) to enable seamless digital payments and extend usability across modern platforms.
    • Milestone Benefits: Cardholders earn 500 reward points upon payment of the renewal fee, adding value to continued card usage. This milestone benefit encourages cardholders to retain the card for long-term savings.
    • Secure Transactions: The card’s contactless technology and Visa-backed security features ensure safe and secure transactions, protecting cardholders from fraud and unauthorized use. The card’s global acceptance is backed by robust security protocols, making it a reliable choice for both online and offline purchases.
    • Low Annual Fee: The card has an annual fee of Rs. 500 + GST and a renewal fee of Rs. 300 + GST, making it an affordable option for frequent travelers. The low fees, combined with the card’s benefits, provide excellent value for money.
    • Customizable Travel Packages: Through the IRCTC platform, cardholders can access tailor-made travel packages for adventure, wildlife, pilgrimage, and leisure tours across 350 cities in India. This feature allows cardholders to plan customized travel experiences, enhancing the card’s appeal for vacationers. This comprehensive set of features makes the PNB IRCTC SBI Card Platinum an ideal choice for frequent train travelers and those seeking a versatile travel credit card with global acceptance and robust rewards.
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Benefits of the PNB IRCTC SBI Card Platinum

  • Significant Savings on Railway Bookings: The card provides up to 10% value back as reward points on railway ticket bookings for AC1, AC2, AC3, Executive Chair Car, and Chair Car through the IRCTC website or mobile app. This benefit is particularly valuable during off-peak seasons (January 15–March 31 and July 15–September 15), where the full 10% value back applies, while a 5% value back is available during peak seasons. Additionally, cardholders save 1.8% on transaction charges for bookings made on credited monthly, reducing the overall cost of train travel.
  • Complimentary Railway Lounge Access: Cardholders enjoy 4 complimentary railway lounge visits per year (one per quarter) at participating lounges in major cities like Delhi, Jaipur, Agra, Ahmedabad, and Kolkata (Sealdah). These lounges offer a comfortable waiting area with amenities like seating, refreshments, and Wi-Fi, enhancing the travel experience for frequent train passengers.
    • Fuel Cost Savings: The 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India (excluding GST and other charges) provides significant savings for cardholders who drive.
    • Welcome and Milestone Rewards: Upon card issuance, cardholders receive 350 activation bonus reward points for a single transaction of Rs. 500 or more within 45 days (excluding fuel and cash transactions). Additionally, Rs.
    • Flexible Payment Options: The Flexipay option allows cardholders to convert transactions of Rs. 2,500 or more into EMIs within 30 days of purchase, providing financial flexibility for large expenses.
    • Global Usability: The card’s Visa-powered global acceptance at over 29 million outlets worldwide and 3,25,000 outlets in India ensures cardholders can use it for purchases and cash withdrawals both domestically and internationally.
    • Visa Privileges: These include discounts on car rentals, hotel stays, and curated travel packages across 900 luxury hotels worldwide, enhancing the card’s appeal for premium travel experiences.
    • Contactless Convenience: The contactless payment technology enables quick and secure transactions for small-ticket purchases, reducing the need for cash or card swipes.
    • Reward Points on Everyday Spending: Cardholders earn 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including shopping, dining, and travel (excluding fuel).
    • UPI Payment Integration: The card’s UPI integration allows linking to third-party apps like BHIM, PhonePe, Mobikwik, or GPay, enabling seamless digital payments for small transactions.
    • Doorstep Ticket Delivery: The card facilitates doorstep delivery of railway tickets booked through the IRCTC platform, eliminating the need to visit ticket counters and adding convenience for frequent travelers.
    • Emergency Support: The 24x7 emergency card replacement service through Visa or SBI’s helpline ensures cardholders can quickly replace a lost or stolen card, minimizing disruptions during travel.
    • Add-On Cards for Family: The option to issue add-on cards for family members above 18 years extends the card’s benefits to spouses, parents, siblings, or children.
    • Low-Cost Ownership: With an annual fee of Rs. 500 + GST and a renewal fee of Rs. 300 + GST, the card is affordable for frequent travelers.
    • Customized Travel Packages: Cardholders can access tailor-made travel packages through the IRCTC platform, covering adventure, wildlife, pilgrimage, and leisure tours across 350 cities in India.
    • Secure Transactions: The card’s Visa-backed security features and contactless technology ensure safe transactions, protecting cardholders from fraud.
    • Reward Redemption Flexibility: Reward points can be redeemed at a 1:1 ratio (1 point = Rs. 1) for IRCTC bookings, provided the card’s loyalty number is linked to the IRCTC login ID.
    • Insurance Coverage: While the PNB IRCTC SBI Card Platinum does not offer explicit insurance coverage like the Premier variant, its association with SBI and Visa provides a sense of security for transactions.
    • Enhanced Travel Experience: The combination of lounge access, transaction charge waivers, and doorstep ticket delivery enhances the overall travel experience, making train journeys more comfortable.
    • Community Value: The card is particularly valuable for those who travel frequently by train, as highlighted by user reviews on platforms like TechnoFino, where it is praised for its 10% value back on AC bookings and lounge access.

How to Apply for the PNB IRCTC SBI Card Platinum

  • Online Application Process:
    • Visit the SBI Card Website: Navigate to the official SBI Card website and locate the section for credit cards.
    • Select the Card: Find the PNB IRCTC SBI Card Platinum from the list of available cards and click on the “Apply Now” button.
    • Fill in Personal Details: Enter basic information such as your full name, mobile number, email ID, city of residence, occupation, and monthly income. Ensure the details match your official documents to avoid discrepancies.
    • Submit OTP for Verification: An OTP will be sent to your registered mobile number for verification. Enter the OTP to proceed.
    • Complete the Application Form: Provide additional details, including your PAN card number, address, and employment information. Upload scanned copies of required documents (e.g., PAN card, Aadhaar card, income proof).
    • Check Eligibility: The system will evaluate your eligibility based on the provided details. If eligible, the card will be displayed as an option; if not, alternative cards may be suggested.
    • Submit Application: Review the application, agree to the terms and conditions, and submit. You will receive a confirmation message with an application reference number.
    • Verification Call: An SBI representative will contact you for verification, typically within a few days, to confirm your details and documents.
    • Card Approval and Delivery: Upon successful verification, the card is approved, and the physical card is delivered to your registered address within 7–14 working days.
  • Offline Application Process:
    • Visit an SBI Branch: Locate the nearest SBI branch and request an application form for the PNB IRCTC SBI Card Platinum.
    • Fill Out the Form: Complete the form with accurate details, including personal information, employment details, and financial information.
    • Submit Documents: Attach physical copies of required documents (e.g., PAN card, Aadhaar card, address proof, income proof).
    • Verification Process: Submit the form and documents to the branch. An SBI representative may contact you for further verification or to schedule a visit for document collection.
    • Approval and Delivery: Upon approval, the card is dispatched to your address within 7–14 working days.
  • Application Through Third-Party Platforms:
    • Access the Platform: Visit a trusted third-party website and navigate to the credit card section.
    • Select the Card: Choose the PNB IRCTC SBI Card Platinum and click “Apply Now.”
    • Enter Details: Provide personal, employment, and financial details as prompted. These platforms often pre-screen applications to ensure eligibility.
    • Upload Documents: Upload digital copies of required documents securely.
    • Submit and Track: Submit the application and use the platform’s tracking feature to monitor the status. An SBI representative will contact you for verification.
  • Tips for a Successful Application:
    • Check Credit Score: A credit score of 750 or above is preferred by SBI. Check your score for free on platforms like CreditMantri before applying to ensure eligibility.
    • Accurate Information: Provide consistent and accurate details across all documents and forms to avoid rejection.
    • Complete Documentation: Ensure all required documents are clear, valid, and readily available to expedite the process.
    • Referral Benefits: Applying through a referral link may offer benefits like a first-year fee waiver or an Amazon voucher worth Rs. 500, as noted in user reviews on platforms like TechnoFino.
  • Post-Application Steps:
    • Activate the Card: Once received, activate the card by following the instructions provided, typically via the SBI Card website or mobile app.
    • Link IRCTC Loyalty Number: After activation, link the 11-digit loyalty number (printed below the cardholder’s name) to your IRCTC login ID. This process involves entering the loyalty number on the IRCTC website, receiving an OTP, and confirming the linkage.
    • Monitor Application Status: Check the application status online using the application reference number or through customer care. You can also use SMS or missed call service to check the card balance post-approval.

Eligibility Criteria for the PNB IRCTC SBI Card Platinum

  • Age Requirements:
    • Applicants must be between 21 and 70 years old at the time of application.
    • Add-on cardholders (family members) must be above 18 years old.
  • Nationality and Residency:
    • The card is available to Indian citizens residing in India.
    • Non-residents or foreign nationals may not qualify unless they have a valid Indian address and meet other criteria.
    • Proof of residency, such as Aadhaar card or utility bill, is mandatory during application.
  • Employment Status:
    • Both salaried and self-employed individuals are eligible to apply.
    • Salaried applicants must be employed with a recognized organization.
    • Self-employed individuals (business owners, freelancers, professionals) must demonstrate stable income.
  • Minimum Income Requirements:
    • Salaried Individuals: Minimum monthly income of ₹20,000. Proof such as salary slips or bank statements required.
    • Self-Employed Individuals: Minimum monthly income of ₹30,000. Documents like Income Tax Returns (ITR) or financial statements are necessary.
  • Credit Score:
    • A credit score of 750 or above is preferred for approval.
    • Applicants with lower scores may face rejection or be offered alternative cards with less stringent criteria.
    • It is advisable to check your credit score beforehand through platforms like CIBIL or CreditMantri.
  • Credit History:
    • Consistent repayment of existing loans or credit card balances is crucial.
    • Low credit utilization ratio (ideally below 30%) demonstrates responsible credit management.
    • Applicants with a history of loan defaults or missed payments may be ineligible.
  • Existing SBI Cardholders:
    • Existing SBI cardholders can hold multiple cards, including this one, provided eligibility criteria are met.
    • Credit limit is assigned based on overall creditworthiness, income, and repayment history.
  • Documentation Compliance:
    • Applicants must provide valid documents to verify identity, address, and income.
    • Incomplete or mismatched documents may lead to application rejection.
  • Specific Considerations for Frequent Travelers:
    • The card is best suited for frequent train travelers booking tickets via the IRCTC platform.
    • Applicants traveling at least 2–3 times a month in AC classes (AC1, AC2, AC3, Executive Chair Car, or Chair Car) can maximize card benefits.
  • Factors Influencing Approval:
    • Credit limit is determined based on credit score, income, and repayment history.
    • Recent credit card rejections may affect eligibility; wait 3–6 months before reapplying.
    • Stable employment or business with at least 6 months continuity improves approval chances.
  • Common Reasons for Rejection:
    • Low credit score (below 750).
    • Insufficient income below minimum thresholds.
    • Incomplete or invalid documentation.
    • High debt-to-income ratio or excessive credit utilization.
  • Tips to Improve Eligibility:
    • Improve credit score by paying off debts and reducing credit utilization.
    • Provide comprehensive income proof like recent salary slips or ITRs.
    • Clear any outstanding dues on loans or credit cards.
    • Apply through referrals if available to gain relaxed criteria or benefits.
  • Special Considerations:
    • Add-on card applicants must be above 18 and linked to primary cardholder.
    • First-time credit card applicants may face stricter scrutiny.
    • Applicants aged 60–70 must provide proof of pension or alternate income sources.

Documents Required for the PNB IRCTC SBI Card Platinum

  • Overview:
    • Submitting specific documents is essential for verifying identity, address, income, and other details.
    • Document requirements vary for salaried, self-employed, retirees, add-on cardholders, and first-time applicants.
  • Identity Proof:
    • PAN Card: Mandatory for tax and financial transactions; number must match application.
    • Aadhaar Card: Widely accepted; must be linked to mobile number for OTP verification.
    • Voter ID Card: Valid alternative if PAN or Aadhaar is unavailable.
    • Driving License: Must be valid and not expired.
    • Passport: Valid for both identity and address if it includes current address.
  • Address Proof:
    • Aadhaar Card (if not used as identity proof)
    • Passport with current address
    • Utility Bills (electricity, gas, or telephone) not older than 3 months
    • Ration Card (with applicant’s name and address)
    • Rental Agreement (registered and accompanied by utility bill)
  • Income Proof:
    • Salaried Individuals:
      • Last 3 months’ salary slips showing consistent income
      • Last 6 months’ bank statements showing salary credits
      • Latest Form 16 indicating annual income and tax deductions
    • Self-Employed Individuals:
      • Income Tax Returns (ITR) for last 2 years, minimum Rs. 30,000 monthly income
      • Profit & Loss statements or balance sheets certified by CA
      • Business proof such as GST registration or shop establishment certificate
    • Retirees: Pension statements or other income proof in lieu of salary slips
  • Photograph:
    • Recent passport-sized photograph (not older than 6 months)
  • Bank Account Details:
    • Recent bank statement (last 3 months) showing account number and IFSC code
    • Cancelled cheque (optional, may be requested for verification)
  • Additional Documents (If Required):
    • Employment proof (employment letter or ID) for salaried applicants
    • Business licenses, partnership deeds for self-employed applicants
    • Credit report (CIBIL/Experian) may be requested
  • Document Submission Guidelines:
    • Online: Clear scanned copies in PDF/JPEG, within platform size limits (2–5 MB)
    • Offline: Photocopies plus originals for branch verification
    • Ensure consistency of name, address, and details across documents
    • Only valid (non-expired) documents accepted
  • Tips for Document Preparation:
    • Organize documents before application to avoid delays
    • Verify Aadhaar linking to mobile for OTP-based verification
    • Use high-quality scans or photocopies to avoid rejection
    • If address differs from Aadhaar, provide utility bill or rental agreement
  • Common Document-Related Issues:
    • Mismatched details (name, address, PAN) can cause rejection
    • Expired documents will not be accepted
    • Incomplete income proof can delay approval
    • File size or format issues in online submissions
  • Special Considerations:
    • Add-on card applicants need only identity proof and photograph linked to primary cardholder
    • First-time applicants may need additional employment or income proof

Factors to Consider for the PNB IRCTC SBI Card Platinum

  • Travel Frequency and Preferences:
    • The card is designed for frequent train travelers, particularly those who book AC1, AC2, AC3, Executive Chair Car, or Chair Car tickets through the IRCTC platform.
    • If you travel by train at least 2–3 times a month, the 10% value back on AC bookings and 1.8% transaction charge waiver offer significant savings.
    • Benefits are limited for infrequent train travelers or those preferring non-AC classes, as no rewards apply for non-AC bookings.
  • Reward Redemption Process:
    • Reward points are transferred to the IRCTC loyalty account and redeemed at a 1:1 ratio (1 point = ₹1) exclusively for IRCTC bookings.
    • Linking the card’s 11-digit loyalty number to your IRCTC login ID takes 4–5 days post card activation.
    • Points must cover the full ticket fare unless using the Points + Pay option.
    • Additional points can be purchased at ₹1.50 per point + GST if insufficient, reducing overall savings.
    • The redemption process can be cumbersome and requires planning to maximize value.
  • Annual and Renewal Fees:
    • Annual fee is ₹500 + GST; renewal fee is ₹300 + GST.
    • No fee waiver on spending thresholds, unlike some other SBI cards (e.g., SimplyCLICK, SimplySAVE).
    • Applicants should weigh fees against card benefits, especially if travel frequency is low.
  • Credit Limit:
    • Credit limit assigned at SBI’s discretion based on credit score, income, and repayment history.
    • Applicants with strong credit profiles (score 750+) and stable income more likely to get higher limits.
    • Low credit limits may restrict card utility for large purchases.
  • Reward Points on Non-Travel Spending:
    • Earn 1 reward point per ₹125 spent on non-fuel retail purchases (~0.8% return).
    • Lower reward rate than other cards offering 5–10 points per ₹100 spend.
    • Less appealing for heavy grocery, shopping, or utility spending.
  • Lounge Access Limitations:
    • 4 complimentary railway lounge visits annually for the primary cardholder only.
    • Excludes add-on cardholders and guests.
    • Lounges are available only at select cities (Delhi, Jaipur, Agra, Ahmedabad, Kolkata).
    • Consider IRCTC SBI Card Premier for 8 visits per year.
  • Interest Rates and Charges:
    • Finance charge is 3.50% per month (42% p.a.) on unpaid balances.
    • Late payment fees vary by statement balance.
    • Cash withdrawal fees of 2.5% (minimum ₹75) apply.
    • Timely repayments are essential to avoid high charges offsetting benefits.
  • Visa Privileges vs. Practicality:
    • Offers Visa discounts on car rentals, hotels, dining, mainly beneficial for frequent international travelers.
    • Domestic rail-focused travelers may find limited use for these benefits.
  • UPI Integration:
    • Allows linking with BHIM, GPay, etc., for convenient digital payments.
    • Reward rate on UPI transactions remains 0.8%, lower than some UPI-enabled cards.
  • Comparison with Other Cards:
    • Basic travel card compared to IRCTC SBI Card Premier (annual fee ₹1,499) which offers more lounge visits and higher value back on air travel.
    • IRCTC HDFC Bank Credit Card offers better rewards on SmartBuy and non-AC bookings.
    • For dining or shopping, SBI SimplySAVE or Axis Bank Neo cards may be more versatile.

Frequently Asked Questions (FAQs) – PNB IRCTC SBI Card Platinum

1. What is the PNB IRCTC SBI Card Platinum?
The PNB IRCTC SBI Card Platinum is a co-branded credit card launched by Punjab National Bank (PNB), Indian Railway Catering and Tourism Corporation (IRCTC), and State Bank of India (SBI) Card. It is designed for frequent railway travelers, offering various travel and lifestyle benefits including reward points, savings on train bookings, and more.
2. What are the key benefits of the PNB IRCTC SBI Card Platinum?
The card offers 10% value back as reward points on IRCTC train ticket bookings, 1 reward point per ₹125 spent on non-fuel retail purchases, and fuel surcharge waiver at petrol pumps. It also includes complimentary accident insurance and exclusive travel offers.
3. How can I apply for the PNB IRCTC SBI Card Platinum?
You can apply online through the official SBI Card website, PNB’s website, or by visiting the nearest PNB branch. Application typically requires identity proof, income proof, and a good credit score.
4. What is the joining and annual fee for this card?
The joining fee for the PNB IRCTC SBI Card Platinum is ₹500 plus applicable taxes. The annual fee is also ₹500, which is waived off if annual spending crosses ₹50,000.
5. How do I book train tickets using this card?
To avail benefits, book train tickets through the IRCTC website using your PNB IRCTC SBI Card. You need to be logged in with your registered IRCTC account.
6. What are the reward points offered and how can they be redeemed?
You earn 1 reward point for every ₹125 spent (excluding fuel and certain categories). These points can be redeemed on the SBI Card website for a variety of options including travel, lifestyle products, and gift vouchers.
7. Can I use this card for other travel-related bookings?
Yes, although maximum benefits are for IRCTC bookings, the card can be used for flight tickets, hotels, and other travel expenses. Standard reward points apply for such transactions.
8. Is there any complimentary travel insurance provided with this card?
Yes, the card includes a complimentary accident insurance cover in case of rail travel booked via IRCTC. The amount may vary, and it's subject to terms and conditions.
9. Does the card offer any fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol pumps across India, with a maximum waiver of ₹100 per statement cycle.
10. Is there any cashback or discount on IRCTC ticket bookings?
While there’s no direct cashback, you get 10% value back in the form of reward points when you book railway tickets through IRCTC using this card.
11. Can I get add-on cards for family members?
Yes, you can request add-on cards for your spouse, parents, children, or siblings above 18 years of age. These cards can share the credit limit and enjoy similar benefits.
12. How do I track and manage my card transactions?
You can manage your card through the SBI Card mobile app or website. These platforms allow you to track transactions, pay bills, redeem rewards, and check available offers.
13. Is there any mobile app support for this card?
Yes, you can use the SBI Card mobile app to manage your PNB IRCTC SBI Card Platinum, including checking statements, paying bills, and redeeming points.
14. What happens if I lose my card?
In case of card loss or theft, immediately contact the SBI Card customer care helpline to block the card. You can also block it via the SBI Card mobile app or website. A replacement card will be issued with applicable charges.
15. How secure is the PNB IRCTC SBI Card Platinum for online transactions?
The card comes with advanced security features such as OTP-based verification, chip and PIN protection, and SMS/email alerts for all transactions, ensuring a secure online and offline payment experience.

List of PNB IRCTC SBI Card Platinum Branches in Andhra Pradesh

  • Amalapuram - Andhra Pradesh
  • Palakoderu - Bhimavaram
  • Bhimavaram - Andhra Pradesh
  • Srinivasa Nagar - Nandyal
  • Nandyal - Andhra Pradesh
  • Ganesh Chowk - Tadepalligudem
  • Tadepalligudem - Andhra Pradesh
  • Velpur Road - Tanuku
  • Tanuku - Andhra Pradesh
  • Palnad Road - Narasaraopet
  • Narasaraopet - Andhra Pradesh
  • Gandhi Chowk - Tenali
  • Tenali - Andhra Pradesh
  • Main Road - Mangalagiri
  • Mangalagiri - Andhra Pradesh
  • Station Road - Sattenapalle
  • Sattenapalle - Andhra Pradesh
  • Bose Road - Chilakaluripet
  • Chilakaluripet - Andhra Pradesh
  • Satyanarayanapuram - Gudivada