A Detailed Guide to IRCTC SBI Platinum Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

4 Dec 25
4 mins

Shreyansh Singh

08 Mins
04-12-25

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

SBI IRCTC Platinum Credit Card Benefits
IRCTC SBI Platinum Card Charges
Terms and Conditions for IRCTC Platinum Credit Card
Conclusion

Earn 10% value back on IRCTC ticket bookings.
Get 350 bonus points on first ₹500 spent within 60 days.
Enjoy 4 complimentary railway lounge visits yearly.
Annual and joining fee of ₹500 each.
Save with 1% fuel surcharge waiver and 1% transaction charge savings.

The IRCTC SBI Platinum Card is ideal for frequent railway travellers who want to maximise value on every trip. For instance, a ₹1,000 ticket can earn a value back of ₹100, helping you save more each time you travel.

If you are considering this card for its IRCTC-focused benefits, review the features and charges carefully to make an informed choice before applying.

SBI IRCTC Platinum Credit Card Benefits

One of the benefits of the IRCTC SBI Platinum Card is that it offers 350 activation bonus reward points if you spend ₹500 within the first 60 days of card issuance. The other benefits are as follows:

You can earn 500 reward points when you pay the annual renewal fee.
If you purchase tickets from the IRCTC website or mobile app for AC1, AC2, AC3, Executive Chair and Chair Car, you can get a 10% value back in the form of reward points.
You can earn 1 reward point on every ₹125 spent across retail categories except fuel purchases.
The card allows you to save 1% on transaction charges for railway ticket bookings.
You can access 4 complimentary railway lounges per year, with 1 per quarter.
As a cardholder, you can get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000.

IRCTC SBI Platinum Card Charges

SBI IRCTC Platinum Credit Card attracts a joining fee of ₹500 in addition to GST. The card additionally attracts an annual fee of the same amount. However, add-on cards with the IRCTC SBI Platinum Card do not attract any annual fee.

Here are the other charges for this card:

Fees and Charges	Amount
Cash Advance Fee	2.5% subject to at least ₹500
Cash Payment Fee	₹250
Payment Dishonour	2% or at least ₹500
Cheque Payment Fee	2%
Finance Charges	3.75% per month or 45% per year
Over Limit Fee	2.5% subject to at least ₹600

In addition to the above-mentioned charges, the card attracts late payment fees if you miss paying your outstanding bill amount within the due date. The late payment fees are as follows:

Outstanding Amount	Late Payment Fees
0 to ₹500	Nil
₹501 to ₹1,000	₹400
₹1,001 to ₹10,000	₹750
₹10,001 to ₹25,000	₹950
₹25,001 to ₹50,000	₹1,100
Above ₹50,000	₹1,300

Must reads

Visa Credit Card Lounge Access: Best Cards, Airport Lounge List and More

13 Oct 25
8 mins

DCB Bank Credit Card: List, Eligibility and Documents Required

3 Dec 25
5 mins

Terms and Conditions for IRCTC Platinum Credit Card

If you consider a balance transfer for your IRCTC SBI Platinum Card, it attracts interest rates based on the tenure. Here are the interest rates for each tenure:

Tenure	Interest Rate
60 days	0%
180 days	1.7% per month or 20.40% per year

If you travel by train often, this card can help you maximise savings through reward points.

Just make sure to clear your credit card bill on time to avoid late fees and interest charges. To stay on track, add the card to the Pice app and get timely bill reminders.

💡Pay your credit card bills in an easy and secure way with the PICE App.

Conclusion

The IRCTC SBI Platinum Card is a rewarding choice for frequent railway travellers, offering attractive benefits like 10% value back on IRCTC bookings, complimentary lounge access, and bonus reward points. With careful use and timely bill payments, it helps maximise travel savings while ensuring a seamless and value-driven railway experience.