IRCTC SBI Platinum Card

  • Joining Fee
    ₹ 500
  • Category
  • Min. Income
    ₹ 3,00,000
IRCTC SBI Platinum Card
  • Upto 10% value back as Reward Points for railway ticket purchases
  • 350 bonus Reward Points on activation
  • 1.8% transaction charges waiver, on railway ticket bookings on
  • 1% fuel surcharge waiver at all petrol pumps

Card Details

Welcome Gift

  • Get 350 activation bonus Reward points on spending ₹500 or more within 45 days of card issuance
  • Earn ₹100 cash back on your first ATM cash withdrawal within 30 days of receiving the card

Value Back Benefits

  • Buy tickets through for AC1, AC2 and AC CC and earn up to 10% value back as Reward points. (1 Reward Point = ₹1)
  • Get 1 Reward point for every ₹125 spent on non-fuel retail purchases, including railway ticket purchases at
  • You can redeem all your Reward points against railway ticket purchases through

Please click here for FAQ’s.

Travel Offers from IRCTC

  • Log on to and avail exclusive travel privileges
  • Book your airline tickets with IRCTC at unbeatable prices

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of ₹500 - ₹3,000, exclusive of GST and other charges
  • Get maximum surcharge waiver of ₹100 per statement cycle per credit card account


To get this credit card, you must be:

  • Above 21 years of age
  • Salaried or Businessman
  • Permanent Resident of India
  • Having Good Credit Score. Not sure of your credit score? Click here to check for FREE
  • Minimum Gross Annual Income of ₹2Lac

Additional criteria for approval from the lender may apply

Documentation Required

Applicant needs to furnish self-attested supporting documents :

Identity Proof(any one) such as
  • Aadhaar Card
  • PAN Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
Address Proof(any one) such as
  • Aadhaar Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
  • Utility bill not more than 2 months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill) 
Income Proof(whichever applicable)
  • Latest Payslip/Form-16(For Salaried)
  • Latest ITR(For self-employed)

and a passport-size photograph.

Think About

Transaction Charges Waiver

  • You save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on, using your IRCTC SBI Platinum Card
  • In case you decide to cancel any railway ticket booked using your IRCTC SBI Platinum Card online on, a charge of 1.8% of the total refund amount will be debited to your card

Offers from Visa

  • IRCTC SBI Platinum Card brings you great offers on travel, golf, dining and other entertainment options from Visa
  • SBI Card accepts no liability for the content of this offer or for the consequences of any actions taken on the basis of the offer provided, as this is being made on behalf of Visa

Cash on the Go

  • Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India

Global Acceptance

  • Your IRCTC SBI Platinum Card is a travel card and can be used in over 29 million Visa outlets worldwide & 3,25,000 outlets in India
  • Just look for the Visa sign of acceptance and present your card for the payment

Empower your Family

  • Apply for add-on cards for your children, siblings above the age of 18, spouse and parents

Easy Bill Pay Facility

  • Use our Easy Bill Pay facility to ensure your electricity, insurance, telephone and other utility bills are paid on time

Click here to know more

Balance Transfer on EMI

  • Transfer the outstanding balance of your other bank’s credit card to your IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs
  • Log on to with your user id and password today to book Balance Transfer on EMI today

Click here to know more


  • With Flexipay, convert your transactions in in easy monthly installments. Just transact for ₹2,500 or more and log on to within 30 days of purchase to convert it into Flexipay

Click here to know more

Easy Money Facility

  • Easy Money lets you avail money just when you need it and get the cheque or draft delivered at your doorstep

Click here to know more

Fee Details


  • Annual Fee (one-time): ₹500
  • Renewal Fee (per annum): ₹300
  • Add-on Fee (per annum): Nil

Extended Credit

  • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
  • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
  • Minimum amount due: 5% of Total Outstanding (Min. ₹200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

  • Cash advance limit: Up to 80% of the credit limit, maximum ₹12,000 per day
  • Free credit period: Nil
  • Finance charges: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal

Cash Advance Fee

  • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of ₹300
  • International ATMs: 3% of transaction amount, subject to a minimum of ₹300

Other Charges

  • Cash Payment Fee: ₹100
  • Cheque pickup: ₹90
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of ₹450
  • Statement retrieval: ₹100 per statement that is more than 2 months old
  • Charge slip retrieval: ₹225 per charge slip
  • Late payment:
    1. Nil for total amount due from ₹0 to ₹200
    2. R₹100 for total amount due greater than ₹200 and up to ₹500
    3. ₹ ₹400 for total amount due greater than ₹500 and up to ₹1,000
    4. ₹500 for total amount due greater than ₹1,000 and up to ₹10,000
    5. ₹750 for total amount due greater than ₹10,000
  • Overlimit: 2.5% of overlimit amount subject to a minimum of ₹500
  • Card replacement: ₹100
  • Emergency card replacement, when abroad: Actual cost, minimum $175
  • Foreign currency transaction: Conversion mark up - 3.5%


  • Railway tickets through counters: ₹30 + 2.5% of transaction amount
  • Railway tickets through* : 1.8% of transaction charges waiver, excluding applicable taxes and other service charge, as applicable
  • Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between ₹500 and ₹3,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of ₹100 per statement cycle, per credit card accounts.
  • 1% of transaction amount (Min. 10) for transaction Amount Betweeen ₹500 to ₹3,000
  • Payment of customs duty: 2.25% of transaction amount, minimum of ₹75

Order of Payment Settlement

  • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

Customer Care Details

Contact SBI cards Customer Care

Phone: Dial 39 02 02 02 (prefix local STD code), 1860 180 1290or 1800 180 1290 (toll free). Available 8 AM - 8 PM from Monday to Saturday

Fax: Fax your documents and SBI Card application at 0124-2567131

Central office: SBI Cards, Customer Service Department, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Infinity Towers, DLF Cyber City, Gurgaon – 122002, Haryana, India

E-mail: You can email your query, concern or feedback

Twitter: Connect on Twitter @SBICard_Connect

SMS: SMS HELP to 5676791 from your registered mobile to get your account information using Simply SMS services.SMS PROBLEM to 9212500888 and get a call back from SBI within 24 hours.

IRCTC SBI Credit Card Helpline: Dial 39 02 12 12 (prefix local STD code)from all phone numbers 1800 180 1295 (from BSNL/MTNL lines)

If you are not satisfied with the resolution, escalate a previous query.