SBI

IRCTC SBI Platinum Card

Check IRCTC SBI Platinum Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

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Issued by

SBI

IRCTC SBI Platinum Card image
Joining Fee₹500
Annual Fee₹500
Income₹25000
Credit Score750

Key Highlights

Travel

Earn up to 10% value back on IRCTC Ticket Bookings

as Reward Points on AC1, AC2, AC3, Executive Chair Car and Chair Car bookings via irctc.co.in and the IRCTC Mobile App

Travel

Earn 1 Reward Point per ₹125 on all eligible spends

on non-fuel retail transactions including railway ticket bookings on irctc.co.in and the IRCTC Mobile App

Earn up to 10% value back on IRCTC Ticket

Bookings as Reward Points on AC1, AC2, AC3, Executive Chair Car and Chair Car bookings via irctc.co.in and the IRCTC Mobile App

Get 350 bonus Reward Points

as a welcome gift on making a single transaction of ₹500 or more within 45 days of card issuance

Eligibility

Age Criteria21-70

Applicants must be between 21 and 70 years at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the SBI IRCTC Platinum Credit Card, as per bank eligibility.

Self-employed Income₹4 LPA

Minimum Annual Income of ₹4 LPA is required to apply for the SBI IRCTC Platinum Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee Offset350 bonus Reward Points (worth ₹350) and ₹100 cashback on your first ATM withdrawal.
Annual Fee₹500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹60000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹1
Redemption Options
  • irctc.co.in
  • IRCTC Mobile App
Earning ExclusionsFuel, Rent, Wallet Loads, Cash Withdrawals, Balance Transfer, EMI, Government Transactions
Spend ExclusionsFuel, Rent, Wallet Loads, Cash Withdrawals, Balance Transfer, EMI, Government Transactions

Benefits

All Benefits

  • Cardholders receive 350 activation bonus Reward Points on making a single transaction of ₹500 or more within 45 days of card issuance
  • Offers on Travel, Golf, Dining, and Entertainment from Visa

Welcome Benefits

  • Cardholders receive 350 activation bonus Reward Points on making a single transaction of ₹500 or more within 45 days of card issuance

Railway Benefits

  • Earn Up to 10% value back in IRCTC Ticket Booking as reward points on AC-1, AC-2, AC-3

Fuel Surcharge Waiver Benefits

  • Enjoy 1% Fuel Surcharge Waiver on transactions of ₹500–₹3,000 across all petrol pumps in India (exclusive of GST and other charges)

Bank Offer

  • Offers on Travel, Golf, Dining, and Entertainment from Visa

Milestone Benefits

Minimum Spend₹0
Within365 days
Reward Points Bonus500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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