IRCTC SBI Platinum Card

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Presenting IRCTC SBI Platinum Card

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Go for the IRCTC SBI Platinum Card and enjoy special privileges

    • Joining fee : Rs. 500
    • Annual fee : Rs. 300

Calculate benefits on your IRCTC SBI Platinum Card


Privileges on IRCTC SBI Platinum Card

Get exclusive benefits on your IRCTC SBI Platinum Card

Welcome gift

Welcome Gift

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

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 = Rs. 1)
  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at
Learn more
Value Back Benefits
  • You can redeem all your Reward points against railway ticket purchases through
  • Please click here for FAQ’s.
Travel offers from IRCTC

Travel Offers from IRCTC

  • Log on to and avail exclusive travel privileges
  • Book your airline tickets with IRCTC at unbeatable prices
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Travel Offers from IRCTC
  • Get wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India
  • Avail accommodation at over 5,000 hotels, covering 350 cities in India
Fuel surcharge waiver

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 2.5% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges
  • Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account

Know everything about IRCTC SBI Platinum Card

Your IRCTC SBI Platinum Card now comes with a range of features

  • 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
  • SBI Drop Box Locator
    • Follow the below process to locate the nearest SBI Card drop box:
      • Type "PIN" < space >, your 6 digit pin code xxxxxx
      • Send an SMS to 56767
      • You will receive the list of drop boxes in your area
        Premium SMS charges apply
  • 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
  • Flexipay
    • With Flexipay, convert your transactions in in easy monthly installments. Just transact for Rs. 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
  • Railway Ticket Booking
    • Use your IRCTC SBI Platinum Card to book railway tickets online and get them delivered at your doorstep
    • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accept a Visa Card

      All transactions on are governed by the terms and conditions of

  • Fees
      • Joining fee, one time: Rs. 500
      • Annual fee: Rs. 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, with minimum of Rs. 200 + GST + EMI, in case of loans
  • Cash Advance
      • Cash advance limit: Up to 80% of the credit limit, maximum Rs. 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 withdrawal or Rs. 300 per transaction, whichever is higher
      • International ATMs: 3.0% of withdrawal or Rs. 300 per transaction, whichever is higher
  • Other Charges
      • Cheque OTC: Rs. 100
      • Cheque pickup: Rs. 90
      • Cheque bounce or invalid cheque: 2% of the cheque dishonor amount, minimum of Rs. 350 and maximum of Rs. 500
      • Statement retrieval: Rs. 100 per statement that is more than 2 months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 200 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Overlimit: 2.5% of overlimit amount, minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, minimum $175
      • Foreign currency transaction: Conversion mark up - 3.5%
  • Surcharges
      • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through* : 1.8% of transaction charges waiver, excluding GST and other service charge, as applicable
      • Petrol and other products or services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of GST, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card accounts.
      • Payment of customs duty: 2.25% of transaction amount, minimum of Rs. 75
  • Order of Payment Settlement

      Minimum amount due, which is inclusive of GST + EMI on loan plans + 5% of total outstanding, followed by fees and other charges, interest charges, balance transfer outstanding, retail outstanding andcash advance

      Government service tax, as applicable, on all the above fees, interest and charges.

      #Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns. It is subject to periodic review.

      *In case of online cancellation of any IRCTC railway tickets through using IRCTC SBI Platinum Card, the cardholder shall be debited 1.8% of the total refund value.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • Service tax, as applicable on all above fee, interest and charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers    1800 180 1295

      From all other numbers     39 02 12 12
      Prefix your STD code if you use your mobile phone.

      All information in this communication is correct as per July 2013 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at