HDFC Bank 
SBI Card 
IDFC Bank 
Axis Bank 
RBL 
ICICI Bank 
CITI Bank 
HSBC 
YES Bank 
AMEX 
IndusInd Bank 
Standard Chartered
Federal BankSBI, one of the most popular card issuers in India, has launched the 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% 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.
IRCTC SBI Platinum Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
NA
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
Reward Redemption
Redeem your RPs against booking railway tickets on IRCTC ‘s Website.
Travel
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.
Golf
NA
Domestic Lounge Access
4 complimentary railway lounge access per year, maximum 1 per quarter
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
NA
Spend Based Waiver
Nil
Rewards Redemption Fee
Rs 99
Rewards Redemption Fee
Rs 99
Foreign Currency Markup
3.5% of the total transaction value.
Interest Rates
3.5% per month or 42% per annum
Fuel Surcharge
1% of Fuel Surcharge Waiver (Maximum waiver of Rs 100 per statement cycle) at all fuel stations across India.
Cash Advance Charges
2.5% of the total transaction amount (Minimum Rs. 500)
Add-on Card Fee
Nil
- Earn 350 bonus Reward Points on spending Rs 500 or more within the first 45 days.
- Earn Up to 10% Value Back in the form of Reward Points on the IRCTC Website.
- Get exclusive travel offers on ticket booking, hotels, tour packages, etc., on IRCTC Website.
- 1 reward point per Rs. 125 spent on non-fuel purchases
- 4 complimentary railway lounge access per year, maximum 1 per quarter
- 1% transaction charge waiver on booking railway tickets via the IRCTC website
- The benefit of a fuel surcharge waiver of 1% at all fuel stations in India.
- Globally accepted across millions of outlets accepting VISA cards.
IRCTC SBI Platinum Credit Card Features
IRCTC SBI Platinum Card Welcome Benefits
- With the IRCTC SBI Platinum credit card, you can earn 350 as an activation bonus on a transaction of Rs 500 or more within 45 days of the activation of the credit card.
- Also, you can earn Rs 100 cashback on ATM cash Withdrawal for the first time within 30 days of issuance of the card.
Travel
- With the IRCTC SBI Platinum credit card, you can save 1% on transaction charges on railway ticket booking on IRCTC’s website.
- This card also allows you to avail accommodation offers at more than 5000 hotels spread across 350 cities in India.
- You can also avail exclusive travel benefits and privileges. You can book your air tickets at discounted prices.
- Avail custom-made tour packages from adventure wildlife to leisure and pilgrimage across India from the IRCTC Website.
Other Benefits and Privileges
- Convert your transactions of Rs 2500 and above into easy monthly Installments using Flexipay.
- Get a draft or cheque against your cash limit at your doorstep using Easy Money.
- Transfer the outstanding balance of other banks to your card and pay them back through easy EMIs at a lower interest rate.
IRCTC SBI Platinum Credit Card Rewards and Redemption
- You can earn 1 Reward Point for every Rs 125 spent on our retail purchases (Excluding Fuel) with your IRCTC SBI Platinum credit card. Here, 1 Reward Point = Re. 1.
- Secondly, you can also earn up to 10% Value Back as Reward Points while you book Railway Tickets on IRCTC. This offer is only valid in AC1, AC2, AC3, and AC CC categories.
- You can redeem these accrued reward points against booking Railway Tickets on the IRCTC Website.
Eligibility Criteria for IRCTC SBI Platinum Credit Card
For the issuance of the IRCTC SBI Platinum credit card, there are some basic eligibility criteria-
- One should be at least 18 years or above.
- Regular source of Income, whether the person is salaried or self-employed.
- One should have a decent credit score or credit history (Preferably above 700).
IRCTC SBI Platinum Credit Card Review
IRCTC SBI Platinum Credit Card, which is among the most popular SBI credit cards in the travel category, can be for the avid traveler who is comfortable commuting by railway. This card offers privileges like discounts on railway ticket bookings, Offers, deals on hotels, customized tour packages, etc., which are mostly helpful for travelers out there. Moreover, it also offers a contactless payment option, which comes in handy while traveling.
What do you think about this credit card? Do let us know.
