IRCTC SBI Platinum Card is a co-branded platinum credit card by SBI and IRCTC. SBI is the largest public sector bank in the country and IRCTC is Indian Railway Catering and Tourism Corporation Limited.

This co-branded SBI IRCTC Card is designed to delight Indian travel lovers and thus comes packed with attractive travel, retail, dining and entertainment offers. You can enjoy cash back, rewards points, discounts, surcharge waiver and fee waivers on each payment made through your IRCTC SBI Platinum Credit Card.

The card is a sheer value earner as 1 reward point is equivalent to 1 and the renewal is also priced nominally at 299.

Welcome Gift

With IRCTC SBI Platinum Card you earn Bonus Reward Points on activation of your card. A single transaction over 500 or above gets you 350 reward points within 45 days of card issuance. The transaction should not be made for buying fuel.

You also earn 100 cash back on the first ATM cash withdrawal within the first 30 days.

Value Back Benefits

On booking railway tickets for AC1, AC2, AC3, and AC CC at, you earn up to 10% Valueback as Reward points. Each Reward Point fetches you 1.

Every 125 spent on retail purchase (except for fuel) earns 1 Reward point. You also earn reward points on booking of railway tickets at

Terms of Use

To redeem points, link your IRCTC SBI Platinum Card loyalty number with login account of your  

Travel Offers from IRCTC

  • Save transaction charge of 1.8% on railway ticket bookings at
  • By logging on to avail exclusive discounts on travel bookings
  • Buy airline tickets with IRCTC at attractive discount offers
  • Well-customised domestic travel packages for adventure, wildlife, pilgrimage and leisure tours
  • Accommodation choice at over 5,000 hotels across 350 Indian cities

Fuel surcharge waiver

Get 1% fuel surcharge waiver on transactions between 500 - 3,000 (exclusive of GST & other charges) across all petrol pumps in India.

A maximum of 100 surcharge waiver per statement cycle per account.

Transaction Charges Waiver

On booking of railway tickets at, save 1.8% transaction charges, excluding GST and other charges.

Exclusive Offers from Visa

Enjoy exclusive IRCTC SBI Platinum Card offers from Visa on travel, golf, dining, and other entertainment avenues

Cash on the Go

With your IRCTC SBI Platinum Card, you can withdraw cash from over 1 million Visa ATMs worldwide. In India, you can access 18,000 Visa ATMs and over 10,000 SBI ATMs across 100 cities.

Global Acceptance

IRCTC SBI Platinum Card is a privilege VISA travel credit card that is accepted globally. You can swipe your IRCTC SBI Platinum Credit Card in over 29 million Visa outlets worldwide, which is inclusive of 3,25,000 outlets in India.

Add On Card for Family

You can also apply for add-on IRCTC SBI Platinum Card for your family members above the age of 18. Be it your spouse and parents, college-going siblings or kids, you can empower them with a credit card for financial freedom.

Utility Bill Payment Facility

With your IRCTC SBI Platinum Card, you can conveniently pay your utility bills and earn the reward points at the same time.

Balance Transfer on EMI

Using Balance Transfer facility you can easily transfer the outstanding dues of your other credit cards to your IRCTC SBI Platinum Card at a lower interest rate and convert your credit card debt into easy EMIs. You can request for BT on EMI by logging on to


With Flexipay facility you can convert your purchases over 2,500 into easy monthly instalments. However, you should not have the last balance dues, and the request should be made online within 30 days of the transaction.

Easy Money Facility

With SBI Card, you can apply for Easy Money and expect a cheque or draft delivered to you at your doorstep.

Doorstep facility for Railway Tickets

With your IRCTC SBI Platinum Card, you can instantly book railway tickets on and get doorstep delivery of the tickets.

Annual Fee: 500 to paid once only

Renewal Fee: 300 second year onwards

Add-on Fee: Nil, there are no additional charges

Interest-free credit period: You enjoy up to 50 days interest-free credit period on retail purchases if your previous outstanding card dues are paid in full.

Finance charges: varies up to 3.35% per month, i.e., 40.2% annually from the transaction date.

Minimum amount due: The minimum due is calculated based on:

5% of Outstanding Amount (Min. 200 + taxes + EMI + OVL)

*EMI & OVL to be added only when applicable.

Cash advance limit: You can avail cash advance up to 80% of the credit limit approved. Maximum Limit for cash advance is 12,000 per day.

Free credit period: Nil

Finance charges: Same as above.
Cash Advance Fee from Domestic ATMs: 2.5% of amount (minimum: 300);
As from International ATMs: 3% of amount (minimum: 300)

Other Charges:

Purpose of Charge

Fee/ Charge

Cash Payment Fee


Cheque pickup


Cheque Fee (up to 10000 cheques)


Payment Dishonor

2% of amount (minimum: 450)

Statement retrieval for more than 2-month records

100/ statement

Over limit Charge

2.5% of over limit (minimum: 500)

Card replacement


Emergency card replacement, when abroad

Actual cost (minimum $175)

Conversion mark up on foreign currency transaction


Late Payment Charges:

Outstanding Not Paid

Late Charge

0 - 200


200 - 500


500 - 1000


1000 - 10,000


10,000 -  25,000


Amount greater than 25,000


Surcharge Waiver:

Railway tickets booked through counters: 30 + 2.5% of the transaction

Railway tickets booked through 1.8% of transaction charges waiver, excluding applicable service taxes and charges

At petrol pumps: You avail 1% fuel surcharge waiver for each transaction between 500 to 3,000, exclusive of applicable taxes. Maximum of 100 surcharge waiver is available per statement cycle per account.

Payment of customs duty: 2.25% of transaction amount, (minimum: 75)

How can I avail IRCTC SBI Platinum Card? How do I Know if I am eligible?

Ans: You can apply for IRCTC SBI Platinum Card if you meet the following eligibility requirements:

  • A resident Indian
  • 21 to 60 years of age
  • Self-employed or salaried individual
  • Have a good credit history

To apply for the IRCTC SBI Platinum Card online, follow below-mentioned steps:

  • Visit MyMoneyMantra Website
  • Click on credit cards and fill the form to share your personal details and credit card requirements
  • As you submit the information, a credit card listing page will be shared with you.
  • Choose IRCTC SBI Platinum Card and connect with the card partner.
  • The application is initiated.
  • A credit card expert from MyMoneyMantra will contact you and explain all the card benefits and terms and conditions. You can also ask the question if you have any.
  • If you haven't yet started the e-connect with SBI Card, the MMM representative will assist you to initiate the process.
  • The process is fast and convenient. You will avail a doorstep pickup of documents as well as delivery of the card.

Who is the ideal customer for IRCTC SBI Platinum Card?

Ans: IRCTC SBI Platinum Card is essentially an ideal card for frequent travellers in the country. Those who regularly travel across India due to a job, business or leisure by Indian Railways must avail IRCTC SBI Platinum Card. The Card not only helps you save every time on your railway tickets' bookings but also make your life convenient with doorstep delivery of tickets.

You can avail tickets at attractive price every time and earn valuable rewards with each transaction. The card is powered by VISA, and thus it is a global card with access to 29 million of VISA outlets and ATMs. 1 reward point is equal to 1, and thus you earn enough on each spend with your SBI IRCTC Platinum Card.

How do I link my IRCTC Account to SBI Card loyalty number to book railway tickets online?

Ans. On the approval of your IRCTC SBI Platinum Card, you get a loyalty number of 11 digits. The loyalty number is imprinted on your credit card below the name of the cardholder. To make the registration, wait for 5 days of card activation.

You can enjoy benefits on your IRCTC SBI Platinum Card by linking your IRCTC card loyalty number with your existing login id. By linking your card to IRCTC ID, you can directly book tickets by paying through your card.

Steps to link your card with IRCTC account:

  1. Visit with your existing login IRCTC Login ID. In case you do not have an existing account, register using the same contact and personal details you shared while requesting the card.
  2. Click on 'Add Loyalty Account' after logging in. It is right under the Tab 'Loyalty Account.'
  3. Enter the 11 digit Loyalty Number embossed on your IRCTC SBI Platinum Card and click to avail an OTP
  4. The OTP is sent to the registered mobile number.
  5. Fill the OTP to complete the process.
  6. Now you will receive a confirmation message, acknowledging the success of Loyalty Account linking.
  7. If you get any error contact SBI Card helpline at 39021212 for further assistance.

What documents do I require to apply for IRCTC SBI Platinum Card?

Ans: The documents required for IRCTC SBI Platinum Credit Card are the basic ones. All you need is to submit is a copy of Identity, address, and income proof to the SBI Card.

You will need two to three of the following documents:

  • Passport
  • Driver's license
  • Voter's ID
  • PAN
  • Aadhaar card
  • Utility bill
  • Last 3 months' bank account statements or latest 3 Months salary slips or last year's ITR

Besides, you will also require the latest 2 passport size photographs with a duly filled application form.

Why does my IRCTC  SBI Platinum Credit Card show in CIBIL report?

Ans: As per the credit card agreement you sign with SBI Card, they are authorized to share your credit card usage information with CIBIL and other Credit Bureaus. The data shared with CIBIL is safe and not available for public use.

According to Credit Information Companies (Regulation) Act, 2005 the credit information of individuals is required to be shared with CIBIL and other major the credit information companies on a periodic basis. 

Your card payment history basically creates your credit history and builds a credit score. Having a financial product like a credit card listed on the credit information report outlines your financial health and is not negative for you. Only negative card history such as default on payments or outstanding balance hurt your credit rating.

How to contact SBI Card Helpline?

Ans: You can contact SBI Card Helpline at the following numbers:

1800 180 1295 39 02 12 12 (Prefix your STD code if calling from mobile phone)

What are the available options to make SBI Card payments?

Ans: With your SBI Card you get complete flexibility to make payment for your IRCTC SBI Platinum Card:

Online Methods for payment of card dues:

Offline Methods for payment of card dues:


NEFT Payment

National Automated Clearing House

SBI Auto Debit

Paynet-Pay Online

SBI Mobile Banking

Debit Card

Pay via Mobile App

Visa Credit Card Pay

Online SBI

Electronic Bill Payment

Over the Counter Payment


Electronic Drop Box

Manual Drop Box


SBI Card reserves the right to modify/remove one or more of offers on IRCTC SBI Platinum Card at any point in time without any notice.

Thank you for choosing to apply for IRCTC SBI PLATINUMŽ Credit Card Before you start your application, please check all these statements are Correct.

  • I allow and authorize mymoneymantra & it's partners to override the DND registry and contact me by phone, email or sms about their products & services. I further accept & agree to your Terms of Use & Privacy Policy.
    Please select the Checkbox.
  • I hereby authorize Mymoneymantra and provide my express consent to share my application with the selected bank and obtain my credit Information/credit report from the selected bank as retrieved by the selected bank, to check eligibility for my application. I agree and understand that this may impact my credit score.
    Please select the Checkbox.

OTP is sent to your mobile number

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