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IRCTC SBI Platinum credit card: fees, features & benefits

IRCTC SBI Platinum credit card: fees, features & benefits

December 30, 2021
10 min read
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travel more, save more

the IRCTC SBI Platinum card is a traveler’s favourite credit card. with this card, you can avail discounts on railway and flight tickets from the official website of IRCTC. in addition, you receive transaction waivers, welcome bonus, fuel surcharge waiver, and other travel offers. you can earn additional rewards & benefits by making your SBI credit card payment on CRED.
read this article to know more about benefits, the application process, eligibility criteria, fees and charges for IRCTC SBI Platinum credit card.



welcome bonus

350 activation reward points on a single transaction of ₹500 or more within 45 days from the date of card issue
cashback of ₹100 on withdrawing cash from ATM for the first time within 30 days of receiving the card

fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹500-3000 across all petrol pumps in India
maximum waiver of ₹100 per statement cycle

no transaction charge

save 1.8% transaction charges on booking railway tickets from using the IRCTC SBI Platinum card
avail the best offers at discounted prices for railway and flight tickets, hotel accommodations and tour packages

value back rewards

purchase tickets for AC1, AC2, AC3, and AA CC from and 10% value back as reward points
1 reward point for every ₹125 spent on anything except fuel
redeem reward points by linking IRCTC SBI card loyalty number with

how to apply for IRCTC SBI Platinum credit card?

  • go to and click on credit cards > travel & fuel cards > IRCTC SBI Platinum card
  • the IRCTC SBI Platinum card page will open listing its features and fees. fill the details in the ‘apply now’ section and then click on ‘i want to apply now’ and an application form will load.
  • fill your details in the form including your PAN card number and income. next, an OTP will be sent to your mobile number for verification.
  • once you have applied for the credit card, you can also track your IRCTC SBI Platinum card application status online.

am i eligible to apply for IRCTC SBI Platinum card?

  • visit the SBI Simplyfier page. 
  • click on ‘your income and expense information’.
  • select your income and monthly expenditure and then click on ‘show my card’.
  • the IRCTC SBI Platinum card will be displayed if you have met the eligibility criteria needed for that card, if the card is not displayed it means you are not eligible for this card.

what documents do i require to apply for credit card?

  • identity proof: PAN card/Aadhaar card/voter ID/driving license (any one of these documents is required)
  • address proof: passport/driving license/electricity bill/gas bill (any one of these documents is required)
  • passport-size coloured photographs
  • duly filled credit card application form
  • income proof: ITR documents or latest salary slip

types of charge


annual fee (one-time)


renewal fee (per annum)


finance charge

3.35% per month

late payment charge


card replacement fee


over limit charge

2.5% of the over limit amount

returned payment fee

2% of the total amount

minimum amount due

5% of the total outstanding

foreign currency transaction


cash advance fee

2.5% of the transaction amount

minimum amount due

5% of the total outstanding

statement retrieval fee


frequently asked questions (FAQs)

how do i check my credit card balance?

you can check your credit card balance in the following ways:

  • SMS: type BAL (space) and last 4 digits of your credit card and send it to 5676791 from your registered mobile number.
  • netbanking: log in to your netbanking account and check the available balance in the ‘accounts summary’ section.
  • missed call service: you can give a missed call on 8422845513 from your registered mobile number. within some time, you will receive an SMS on your mobile about your credit card balance.

what is IRCTC SBI Platinum card loyalty number?

the IRCTC SBI Platinum number is allocated once the card is approved. it is an 11-digit number embossed below the cardholder's name.

how can i link my IRCTC SBI card loyalty number with IRCTC account?

you can follow the steps below to link your IRCTC SBI Loyalty number with IRCTC account:

  • login to with your user ID and password
  • go to the ‘loyalty account’ tab and select the option ‘add loyalty account link’.
  • enter the 11-digit loyalty account number printed on your card and then click on ‘send OTP’.
  • enter the OTP received on your registered mobile number and then click on ‘confirm’.
  • once you have entered the correct OTP, you will shortly receive a confirmation message of successfully linking of loyalty account.

what is the interest-free credit period of the IRCTC SBI Platinum credit card?

the interest-free period ranges from 20-50 days.

what is the value of 1 reward point?

the value of 1 reward point is ₹1.

what is the validity of reward points?

the reward points are valid for a period of 3 years from the date of card issuance.

what is the easy money facility?

easy money facility on the IRCTC SBI Platinum card allows a cardholder to avail funds for short term at a lower rate of interest. the funds get credited to your account through NEFT. the easy money facility is only available to the primary cardholder.

how much money can i receive using the easy money facility?

with the help of easy money facility, you can receive a minimum amount of ₹5,000 and the maximum amount would be equivalent to 75% of the available cash limit.

what is the helpline number for IRCTC SBI Platinum credit card?

you can dial 1800-180-1295 or 39021212 to get in touch with the customer service representatives.