IRCTC SBI Platinum Card - Rail Travel Rewards

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Features of HDFC IRCTC SBI Card Platinum Credit Card

1. Reward Points on Railway Ticket Bookings:
- Up to 10% Value Back: Earn up to 10% value back as Reward Points when booking tickets through irctc.co.in or the IRCTC Mobile App (Android only) for AC1, AC2, AC3, Executive Chair Car, and Chair Car categories.
- Reward Point Accrual: Get 1 Reward Point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases on irctc.co.in.
- Redemption: Reward Points can be redeemed for train tickets on IRCTC’s website or mobile app at a 1:1 ratio (1 Reward Point = Rs. 1). To redeem, link your 11-digit loyalty number (printed on the card) to your IRCTC account.
- Validity: Reward Points are valid for three years from the date of accrual.
- Note: As of April 1, 2021, Reward Points are transferred to the cardholder’s IRCTC Loyalty Account for redemption. Points cannot be redeemed if the loyalty account is blocked, inactive, or suspended.
2. Welcome and Activation Benefits:
- 350 Bonus Reward Points: Earn 350 Reward Points (worth Rs. 350) on making a single transaction of Rs. 500 or more within 45 days of card issuance (excluding fuel purchases).
- Rs. 100 Cashback: Get Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.

- Welcome and Activation Benefits:
- 350 Bonus Reward Points: Earn 350 Reward Points (worth Rs. 350) on making a single transaction of Rs. 500 or more within 45 days of card issuance (excluding fuel purchases).
- Rs. 100 Cashback: Get Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
- Transaction Charge Waiver: Save 1% transaction charges (exclusive of GST and other charges) on railway ticket bookings made through irctc.co.in using the card.
  Note: As of December 26, 2024, Reward Points accrual on ticket purchases at irctc.co.in is based on the booking amount, including the primary cardholder’s fare and co-travelers’ fares.
- Complimentary Railway Lounge Access:
- 4 Free Lounge Visits per Year: Enjoy up to 4 complimentary visits to participating railway lounges in India (maximum 1 visit per quarter). Access is subject to presenting the IRCTC SBI Platinum Card at the lounge.
- Fuel Surcharge Waiver:
- 1% Fuel Surcharge Waiver: For transactions between Rs. 500 and Rs. 3,000 (exclusive of GST and other charges) at petrol pumps across India.
- Maximum Waiver: Up to Rs. 100 per statement cycle per credit card account.
- Global Acceptance: The card is powered by Visa and is accepted at over 29 million Visa outlets worldwide, including 3,25,000 outlets in India. Use it for cash withdrawals at over 1 million Visa ATMs globally, including 18,000 Visa ATMs and 10,000 SBI ATMs in India across 100 cities.
- Balance Transfer on EMI: Transfer outstanding balances from other credit cards to the IRCTC SBI Platinum Card at a lower interest rate and repay in easy EMIs. Requests can be made via sbicard.com.
- Flexipay Facility: Convert transactions of Rs. 2,500 or more into easy monthly installments (EMIs) by logging into sbicard.com within 30 days of purchase. Requires no outstanding balance dues.
- Easy Bill Pay: Pay utility bills (electricity, telephone, mobile, etc.) using the card and earn Reward Points simultaneously.
- Add-On Cards: Apply for add-on cards for family members (spouse, parents, siblings, or children above 18 years) to share the credit limit and benefits.
- Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit on retail purchases, provided previous outstanding dues are paid in full.
- Visa Privileges: Access exclusive Visa offers on travel, golf, dining, and entertainment.
- Security Features: The card includes a chip and PIN for enhanced security against counterfeiting and skimming.
- Easy Money Facility: Apply for a cheque or draft to be delivered to your doorstep for quick access to funds.
- Ticket Cancellation Charges: A 1% charge on the total refund amount is debited if a railway ticket booked using the card is canceled on irctc.co.in.
- Annual Fee:
  - Joining Fee: Rs. 500 + GST (one-time).
  - Annual/Renewal Fee: Rs. 300 + GST (from the second year).

Benefits of HDFC IRCTC SBI Card Platinum Credit Card

Reward Points on Railway Ticket Bookings:
- Up to 10% Value Back: Earn up to 10% value back as Reward Points on railway ticket bookings made through irctc.co.in or the IRCTC Mobile App (Android only) for specific classes: AC1, AC2, AC3, Executive Chair Car, and Chair Car.
- How It Works: For every Rs. 125 spent on railway tickets, you earn 1 Reward Point (RP), equivalent to Rs. 1 when redeemed. The 10% value back is achieved through the combination of Reward Points and transaction charge savings.
- Example: If you book a ticket worth Rs. 2,500 in AC2, you earn 20 RPs (Rs. 2,500 ÷ Rs. 125 = 20 RPs, worth Rs. 20). This translates to a ~0.8% base reward rate, but additional savings (e.g., transaction charge waiver) enhance the effective value.
- Redemption: Reward Points can be redeemed for train tickets on IRCTC’s website or mobile app at a 1:1 ratio (1 RP = Rs. 1). To redeem, link the 11-digit loyalty number (printed on the card) to your IRCTC account.

Welcome and Activation Benefits:
350 Bonus Reward Points: Earn 350 Reward Points (worth Rs. 350) by making a single transaction of Rs. 500 or more within 45 days of card issuance. Fuel purchases are excluded.
Example: Spend Rs. 500 on an IRCTC ticket or retail purchase within 45 days to unlock this benefit, effectively offsetting a significant portion of the joining fee (Rs. 500 + GST).
Rs. 100 Cashback: Receive Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
Note: Cash withdrawals incur a fee (2.5–3% of the amount), so this benefit is best used strategically to avoid high charges.
Value for Users: These one-time benefits make the card attractive for new users, as they can recover up to Rs. 450 (350 RPs + Rs. 100 cashback) of the initial cost, making the card nearly free in the first year if used effectively.
Process: At the IRCTC payment gateway, select Reward Points to pay for confirmed or RAC tickets in AC1, AC2, AC3, Executive Chair Car, or Chair Car. The redemption covers the total ticket fare, including service charges.
Validity: Reward Points are valid for three years from the date of accrual.
Note: Since April 1, 2021, Reward Points are transferred to the cardholder’s IRCTC Loyalty Account for redemption. Points cannot be redeemed if the loyalty account is blocked, inactive, or suspended.
Value for Users: This benefit is highly valuable for frequent train travelers, especially those booking premium AC classes, as it effectively reduces ticket costs.
Transaction Charge Waiver: 1% waiver on transaction charges (exclusive of GST and other charges) for railway ticket bookings made through irctc.co.in using the card.
Example: For a ₹2,000 ticket, you save ₹20. Applicable for bookings of the primary cardholder and co-travelers from December 26, 2025.
Complimentary Railway Lounge Access: Enjoy up to 4 complimentary visits per year to participating railway lounges (1 per quarter). Present your IRCTC SBI Platinum Card at major railway stations for access.
Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹500 and ₹3,000 (exclusive of GST) at petrol pumps in India. Maximum waiver of ₹100 per statement cycle.
Reward Points on Non-Fuel Retail Spends: Earn 1 Reward Point per ₹125 spent on non-fuel retail purchases. Reward value: ₹1 per point when redeemed for IRCTC tickets.
Global Acceptance and Cash Access: Accepted at over 29 million Visa outlets worldwide and 3,25,000 outlets in India. Withdraw cash at over 1 million Visa ATMs globally (fees apply).
Balance Transfer on EMI: Transfer outstanding balances from other credit cards to your IRCTC SBI Platinum Card at a lower interest rate and repay in EMIs. Apply via sbicard.com.
Flexipay Facility: Convert purchases of ₹2,500 or more into EMIs within 30 days of purchase via sbicard.com. No outstanding balance due required for eligibility.
Easy Bill Pay: Pay utility bills like electricity, telephone, and mobile and earn 1 Reward Point per ₹125 spent. Offers convenience and additional rewards for routine expenses.
Value for Frequent IRCTC Users: Combined benefits of reward points, surcharge waiver, and transaction savings offer up to 10% value back on IRCTC ticket bookings.
Customer Support & Security: 24x7 customer support. Zero liability for fraudulent transactions post-loss/theft if reported promptly.

Steps to Apply for IRCTC SBI Platinum Credit Card

1. Online Application via SBI Card Website or Partner Platforms:
- Step 1: Visit Official Website or Partner Platform
  Go to sbicard.com or trusted partner sites like CreditMantri, Paisabazaar, or BankBazaar. Navigate to the “Credit Cards” section and select “IRCTC SBI Platinum Credit Card.”
- Step 2: Check Eligibility
  Click on “Check Eligibility” or “Apply Now.” Enter details like name, mobile number, email ID, city, income, and employment type. Some platforms may also request your PAN number for eligibility check.
- Step 3: Fill the Application Form
  Complete the form with personal, professional, and financial details including DOB, residential address, work experience, business details, and credit history. Consent to credit bureau checks.
- Step 4: Upload Documents
  Upload scanned copies or clear photos of documents like PAN card, Aadhaar, and income proof. Some platforms support e-KYC via Aadhaar OTP.
- Step 5: Submit Application
  Review the application and submit it. You will receive an application reference number via SMS or email.
- Step 6: Verification & Approval
  SBI may conduct tele-verification or request additional documents. In some cases, you may need to complete IPV (In-Person Verification) via video call or branch visit.
- Step 7: Activate the Card
  Once you receive the card, activate it online at sbicard.com, via the mobile app, or by calling the helpline. Link the 11-digit loyalty number to your IRCTC account for reward redemption.
2. Offline Application via SBI Branch:
- Step 1: Visit an SBI Branch
  Go to your nearest SBI branch and request the IRCTC SBI Platinum Credit Card application form from the staff.
- Step 2: Fill the Application Form
  Provide personal, residential, and employment details. Attach a passport-sized photograph.
- Step 3: Submit Documents
  Submit photocopies of PAN, Aadhaar, income proof, and carry originals for verification.
- Step 4: Verification
  The branch forwards your application to SBI Card for processing. You may receive a call or be asked for IPV.
- Step 5: Approval & Delivery
  If approved, your card will be delivered in 7–14 working days. Activate it following the online method.
3. Apply via SMS or Referral:
- Step 1: Send SMS
  SMS “RAIL” to 56767 or 5676791 from your registered mobile number.
- Step 2: Provide Details
  An SBI Card executive will contact you to collect necessary information and guide you through the next steps.
- Step 3: Submit Documents
  Upload documents online or hand over physical copies. Complete e-KYC or IPV if required.
- Step 4: Approval & Delivery
  Upon approval, your card will be dispatched. Referral applications may get fee waivers or Amazon vouchers (as per offer terms).

Eligibility Criteria for IRCTC SBI Platinum Credit Card

Age:
- Primary applicants must be between 18 and 60 years of age
- Add-on cardholders (family members) must be 18 years or older
- Applicants above 60 may be considered based on credit history and income stability
Nationality:
- Must be a resident Indian citizen with a valid Indian address
- NRIs may be eligible under special conditions (e.g., NRE/NRO account with SBI)
Income:
- Salaried Individuals: Minimum monthly income of ₹20,000
- Self-Employed Individuals: Minimum monthly income of ₹30,000 or annual income of ₹3.6 lakh
- Higher income may lead to better approval chances and credit limits
Credit Score:
- Recommended credit score: 750 or above (CIBIL or equivalent)
- No recent defaults, missed payments, or high credit utilization
- New-to-credit applicants may be considered based on other factors
Employment Status:
- Salaried: Must be employed with a reputed company with at least 6 months of continuous service
- Self-Employed: Must have a registered business/profession with 1–2 years of consistent income
Existing Relationship with SBI (Optional):
- Maintaining an SBI savings account, FD, or loan may improve approval chances
- Pre-approved offers may be available for eligible SBI customers
IRCTC Account (Recommended):
- Applicants should have or create an IRCTC account to redeem reward points effectively
- The card’s loyalty benefits (e.g., 10% value back) are linked to IRCTC bookings
Residential Proof:
- Applicants must provide valid proof of permanent residence in India
Financial Stability:
- Applicants must show consistent income and ability to manage credit repayments
Other Considerations:
- Applicants should not have too many active loans or credit cards
- A clean credit report with no recent inquiries is preferred
- Students and unemployed individuals are not eligible unless alternate income is proven
Mobile Number and Email ID:
- A valid Indian mobile number and email ID are required for application updates and card services.
KYC Compliance:
- Applicants must complete full KYC verification, including PAN card, Aadhaar, and recent photographs.
Document Verification:
- All submitted documents must be valid, legible, and consistent with the application details.
- Inconsistencies may lead to rejection or delay in processing.

Documents Required for IRCTC SBI Platinum Credit Card

Identity Proof (any one of the following):
PAN Card (mandatory)
Aadhaar Card
Passport
Voter ID
Driving License
Any other government-approved photo ID
Address Proof (any one of the following):
Aadhaar Card
Passport
Voter ID
Utility bill (electricity, telephone, or gas bill, not older than 3 months)
Ration Card
Any other government-approved address proof
Income Proof (to verify financial eligibility):
Last 3 months’ salary slips (for salaried individuals)
Last 3 months’ bank statements (showing salary credits or transactions)
Income Tax Return (ITR) documents (for self-employed individuals)
Form 16 (optional, for salaried individuals)
Photograph:
Recent passport-sized photograph (may be required depending on the application process)
Application Form:
Duly filled and signed credit card application form (available online at sbicard.com or through third-party platforms like BankBazaar or MyMoneyMantra)
Business Registration Document (for self-employed individuals):
GST Registration Certificate or Business Incorporation Certificate to prove business ownership.
Proof of Existing Relationship with SBI (if applicable):
SBI account passbook, statement, or FD receipt for faster processing or pre-approved offers.
Proof of Date of Birth:
Birth certificate, PAN card, or passport copy if required for age verification.
Proof of Occupation:
Employee ID card or offer letter (for salaried applicants), or business license (for self-employed applicants).
IRCTC User Account Details (Recommended):
Valid IRCTC username and email ID for linking the card and redeeming reward points.

Factors for IRCTC SBI Platinum Credit Card

Eligibility Criteria:
Age: 21–65 years.
Income: Minimum ₹20,000/month for salaried or ₹4 lakh/year post-tax for self-employed.
Credit Score: Preferred 750+ for smooth approval.
Nationality: Only Indian residents are eligible.
Employment: Stable salaried or self-employed status with valid income proof.
Required Documentation:
Identity Proof: PAN (mandatory), Aadhaar, Passport, Voter ID, or Driving License.
Address Proof: Aadhaar, Passport, Voter ID, recent utility bill, or ration card.
Income Proof: Last 3 months’ salary slips, bank statements, or ITRs.
Photograph: Recent passport-sized photo.
Application: Duly filled and signed application form.
Fees and Charges:
Joining Fee: ₹500 + GST (one-time).
Annual/Renewal Fee: ₹300 + GST (from second year).
Finance Charges: Up to 3.5% per month (42% annually).
Foreign Currency Markup: 3.5% + GST.
Cash Advance Fee: 2.5% or ₹500 (whichever is higher).
Overlimit Fee: 2.5% of overlimit or ₹600 (whichever is higher).
No annual fee waiver based on spending.
Rewards and Benefits:
Welcome: 350 points on first transaction ≥ ₹500 within 45 days (excl. fuel) + ₹100 cashback on first ATM withdrawal.
IRCTC Booking: Up to 10% value back on AC class tickets via IRCTC site/app.
General Spend: 1 point per ₹125 spent (excl. fuel).
Waivers: 1% transaction fee waiver on IRCTC bookings; 1% fuel surcharge waiver on ₹500–₹3,000 fuel spends (max ₹100/month).
Lounge Access: 4 complimentary railway lounge visits/year (max 1/quarter).
Reward Redemption:
Only redeemable for IRCTC AC-class bookings (1 point = ₹1).
IRCTC loyalty number must be linked to cardholder’s account.
Points valid for 3 years; cannot be redeemed for cash or transferred.
Additional Features:
Global acceptance at 29 million+ Visa outlets (3.25 lakh in India).
Flexipay: Convert purchases over ₹2,500 to EMIs within 30 days.
Balance Transfer: Lower interest EMIs for other card dues.
Easy Bill Pay: Earn rewards while paying bills.
Add-on Cards: Available for family (18+ years).
Interest-Free Period: Up to 50 days with full prior payment.
Cash Withdrawal: Up to 80% of credit limit at global Visa ATMs.

Frequently Asked Questions – IRCTC SBI Platinum Credit Card

1. What is the IRCTC SBI Platinum Credit Card?

It’s a co-branded travel credit card by SBI Card and IRCTC, designed for frequent train travelers. It offers rewards on IRCTC bookings, railway lounge access, fuel surcharge waivers, and operates on the Visa network.

2. Who is eligible to apply?

Age: 21–65 years
Income: ₹20,000/month (salaried) or ₹4 lakh/year post-tax (self-employed)
Credit Score: Preferably 750+
Nationality: Indian residents
Documents: PAN Card, Aadhaar, passport, voter ID, utility bill, salary slips, or ITR

3. What are the fees and charges?

Joining Fee: ₹500 + GST (one-time)
Annual Fee: ₹300 + GST (from second year, no spend-based waiver)
Finance Charges: Up to 3.5% per month (42% annually)
Foreign Currency Markup: 3.5% + GST
Cash Advance Fee: 2.5% of amount or ₹500 (whichever is higher)

4. What are the welcome benefits?

- 350 reward points (₹350 value) on a single transaction of ₹500+ within 45 days (excluding fuel)
- ₹100 cashback on first ATM withdrawal within 30 days

5. How do I earn rewards?

- Up to 10% value back on AC1, AC2, AC3, Executive Chair Car, and Chair Car IRCTC bookings via website or app
- 1 reward point per ₹125 on non-fuel retail spends
- 1% IRCTC transaction charge waiver (excl. GST)
- 1% fuel surcharge waiver on ₹500–₹3,000 spends (max ₹100/statement cycle)

6. How do I redeem reward points?

- Redeem only for AC-class train tickets on irctc.co.in
- Link 11-digit loyalty number to your IRCTC account via sbicard.com or the SBI Card app
- 1 point = ₹1
- Points valid for 3 years; non-transferable and not redeemable for cash

7. What is the railway lounge access benefit?

4 complimentary visits per year (1 per quarter) to participating IRCTC railway lounges. Check lounge availability on sbicard.com or contact customer care.

8. How do I apply for the card?

Online: Apply via sbicard.com, BankBazaar, or MyMoneyMantra
Offline: Visit SBI branch with required documents
Approval Time: Typically 7–14 days post verification

9. Can I use this card internationally?

Yes, it is a Visa card accepted at 29+ million outlets globally. A 3.5% + GST foreign markup fee applies.

10. What are the drawbacks?

- Rewards are limited to IRCTC AC-class bookings and only for cardholder travel
- Low reward rate (0.8%) on non-IRCTC spends
- No annual fee waiver
- Redemption process requires linking a loyalty account and using IRCTC platform

List of HDFC Karnataka Branches

Bengaluru (Jayanagar)
Bengaluru (Kalyan Nagar)
Bengaluru (Kasturba Gandhi Marg)
Bengaluru (Koramangala)
Bengaluru (Marathahalli)

Bengaluru (Residency Road)
Bengaluru (Sahakar Nagar)
Bengaluru (Sarjapur Road)
Bengaluru (Whitefield)
Bengaluru (Yelahanka)

Bengaluru (Malleshwaram)
Bengaluru (Rajajinagar)
Bengaluru (Basaveshwaranagar)
Bengaluru (Kaggadaspura)
Bengaluru (Kanakapura Road)

Bagalkot (Bagalkote)
Ballari (Hosapete)
Belagavi (Belgaum)
Chitradurga
Davanagere

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