The dedicated travel card for consistent railway commuters
10% value-back on AC railway bookings
4 complimentary railway lounge visits annually
350 reward points on first activation
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| Benefit | Details |
|---|---|
| Primary Travel Benefit | Cardholders are eligible for a 10% value-back in the form of reward points on transactions for AC Class (AC1, AC2, AC3, AC Chair Car) railway tickets booked via the IRCTC website. |
| Transaction Charge Waiver | A 1% waiver on the transaction charges is applicable when booking train tickets through the official IRCTC platform. |
| Welcome Bonus | A reward of 350 bonus points is provided upon the first successful transaction of ₹500 or more completed within 45 days of the card's issuance. |
| Railway Lounge Access | The card facilitates up to four complimentary access sessions per year to participating railway lounges across India, limited to one visit per quarter. |
| Fuel Surcharge Waiver | A 1% fuel surcharge waiver is available on fuel transactions, subject to a maximum benefit of ₹100 per statement cycle. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card in partnership with IRCTC (Indian Railway Catering and Tourism Corporation) |
| Bank / Non-bank | Bank-affiliated |
| Category | Transaction discount on IRCTC, free rail lounge access, reward points |
| Type of Card | RuPay |
| Free or Paid | ₹500 + GST Annually |
The IRCTC SBI RuPay Platinum Credit Card is specifically tailored for individuals who are frequent railway travellers, particularly those who opt for AC class travel. The co-branded design ensures that the most substantial benefits are directly tied to the core activity of booking train tickets via the official IRCTC website or mobile application.
This card represents a valuable choice for the user seeking to maximise savings and value on their train travel expenses. The 10% value-back on AC bookings, coupled with the waiver of the 1% transaction charge, results in a tangible reduction in travel costs. Furthermore, the complimentary railway lounge access enhances the travel experience by providing comfort at major railway stations.
Wide Acceptance: Operates on the RuPay network, ensuring seamless usage across India at both physical and digital outlets, with extended global acceptance through partnered networks.
Add-on Card Facility: Allows supplementary cards for family members above 18 years at no additional annual fee, enabling shared benefits under a single spending limit.
Cash Withdrawal Access: Provides emergency liquidity through over 1 million ATMs worldwide.
Flexipay Convenience: Convert purchases of ₹2,500 or more into affordable EMIs by initiating Flexipay within 30 days of purchase via the SBI Card website.
Contactless Payments: Equipped with secure contactless payment technology, enabling quick, tap-and-go transactions for everyday expenses.
10% Value-back on Train Bookings: The card's primary benefit provides a substantial value-back equivalent to 10% on the total ticket fare for AC1, AC2, AC3, and AC Chair Car bookings. This value-back is credited in the form of reward points (known as SBI Reward Points or Travel Reward Points) when the booking is completed through the official IRCTC website.
Base Reward Rate: For all other non-fuel retail purchases, including transactions for railway tickets outside of the preferred AC classes, the cardholder earns 1 reward point for every ₹125 spent. This rate establishes the baseline value-back for all general consumer expenditure.
IRCTC Ticket Redemption: Reward points can be redeemed on the IRCTC website or mobile application (Android only) at a favourable rate of 1 point = ₹1. The points can be applied towards the total ticket fare, which includes the service charges levied by IRCTC.
Linking Requirement: Cardholder must first link their unique 11-digit IRCTC SBI Card Loyalty Number (printed on the card) with their IRCTC login ID.
Redemption Rules: Points can be redeemed only for confirmed or RAC train tickets and cannot be used for part payment of a single passenger's fare. If the ticket is cancelled after redemption, the value is refunded as reward points only.
350 Bonus Reward Points: A welcome bonus of 350 reward points is credited to the card account upon the cardholder making their first successful transaction of ₹500 or more within 45 days of the card's issuance date.
Complimentary Railway Lounge Access: The card offers the privilege of up to four complimentary access sessions to participating railway lounges per year. This access is limited to a maximum of one visit per quarter, providing a comfortable waiting environment at major railway stations.
Waiver of 1% Transaction Charges: Cardholders are exempted from the standard 1% transaction charge levied by IRCTC on ticket bookings, providing a direct and consistent saving on every booking.
A 1% fuel surcharge waiver is applicable on fuel purchases made at any petrol pump across India. This waiver applies to transactions ranging from ₹500 to ₹3,000.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee (One-time) | ₹500 + GST | Charged upon the initial issuance of the card. |
| Annual Fee (Renewal) | ₹500 + GST | Charged from the second year onwards. This fee is currently non-waivable based on annual spending. |
| Add-on Card Fee | Nil | No charge for supplementary cards issued to eligible family members. |
| Interest/Finance Charge | 3.50% per month / 42% per annum | Applied to outstanding balances that are carried forward past the payment due date. |
| Fuel Surcharge Waiver | 1% on transactions between ₹500–₹3,000 | Maximum benefit is limited to ₹100 per statement cycle. |
| Cash Advance Fee | 2.5% of the transaction amount or ₹500, whichever is higher | Applied to all cash withdrawals made via ATM. |
| Criteria | Details |
|---|---|
Age (Primary Applicant) | Minimum 21 years to a maximum of 70 years. |
Age (Add-on Applicant) | Minimum 18 years. |
Occupation | Applicants must be either Salaried Employees or Self-Employed individuals. |
Credit Standing | A favourable credit history and good credit score are essential for application approval. |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Passport, Ration Card, Driving Licence, Voter's ID Card, or Aadhaar Card. |
| Address Proof | Aadhaar Card, Passport, latest Electricity Bill, Ration Card, or Telephone Bill (not older than three months). |
| Income Proof (Salaried) | Latest six months' pay slips or bank statements. |
| Income Proof (Self-Employed) | Proof of business ownership and continuity, office address proof, bank statements (latest six months), or audited financials (not more than two years old). |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your IRCTC SBI RuPay Platinum Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Prioritise IRCTC Bookings | Always use the card for booking AC class (AC1, AC2, AC3, AC CC) railway tickets via the IRCTC website to secure the maximum 10% value-back. |
Redeem Points Exclusively on IRCTC | Utilise the accrued reward points primarily for purchasing subsequent railway tickets, leveraging the favourable 1 point = ₹1 redemption ratio for maximum travel value. |
Link Loyalty Number | Ensure the 11-digit IRCTC SBI Card Loyalty Number is promptly linked to the IRCTC login ID to enable both reward accumulation and redemption. |
Utilise Railway Lounge Access | Take advantage of the one complimentary railway lounge visit per quarter at eligible stations to enhance the pre-boarding experience. |
Mind the Fuel Cap | Use the card for fuel transactions between ₹500 and ₹3,000, but be aware of the monthly waiver cap of ₹100, and consider the base reward exclusion on fuel spends. |
Opt for Flexipay for Large Buys | For large-value retail purchases (₹2,500+), convert them into Flexipay EMIs within 30 days to manage the overall debt load efficiently. |
The IRCTC SBI RuPay Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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