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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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- 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.