IRCTC SBI Platinum Credit Card

  • Joining Fee: Rs. 500 plus applicable taxes
  • Renewal Fee: Rs 300
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.
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SBI one of the most popular card issuers in India has launched IRCTC SBI Platinum Credit Card partnering with Indian Railways. It offers some decent rewards and privileges considering the price point at which it is being offered. This card is offered at a nominal fee of Rs 500 plus taxes. IRCTC SBI Platinum Credit Card allows the user to earn 350 bonus reward points by Rs. 500 within the first 45 days. We can also earn 10% value back while booking train tickets on IRCTC’s website in the form of reward points. You also get a 1% of fuel surcharge waiver at gas stations across India. Besides all these benefits, it also offers the advantage of contactless payment, making it convenient to make daily transactions. For more details, refer to our article.

New Features

Spend Based Waiver


Interest Rates

3.5% per month or 42% per annum

Add-on Card Fee


Rewards Redemption Fee

Rs 99

Fuel Surcharge

1% of Fuel Surcharge Waiver (Maximum waiver of Rs 100 per statement cycle) at all fuel stations across India.

Foreign Currency Markup

3.5% of the total transaction value.

Cash Advance Charges

2.5% of the total transaction amount (Minimum Rs. 500)

Movie & Dining



Save 1% transactions charges on railway tickets booking on IRCTC’s website. Avail accommodation offers at more than 5000 hotels spread across 350 cities in India. Avail custom made packages from adventure, wildlife to leisure and pilgrimage across India from IRCTC Website.

International Lounge Access


Rewards Rate

Earn up to 10% Value Back as Reward Points while you book Railway Tickets on IRCTC. Earn 1 Reward Point for every Rs 125 spent. 1 Reward Point= Re. 1



Insurance Benefits


Reward Redemption

Redeem your RPs against booking railway tickets on IRCTC ‘s Website.

Domestic Lounge Access

4 complimentary railway lounge access per year, maximum 1 per quarter

Zero Liability Protection



No data available


No data available

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