{"id":82584,"date":"2025-12-04T18:17:12","date_gmt":"2025-12-04T12:47:12","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82584"},"modified":"2025-12-04T18:17:16","modified_gmt":"2025-12-04T12:47:16","slug":"irctc-sbi-platinum-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/irctc-sbi-platinum-card\/","title":{"rendered":"A Detailed Guide to IRCTC SBI Platinum Card\u00a0"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 10% value back on IRCTC ticket bookings.<\/li>\n\n\n\n<li>Get 350 bonus points on first \u20b9500 spent within 60 days.<\/li>\n\n\n\n<li>Enjoy 4 complimentary railway lounge visits yearly.<\/li>\n\n\n\n<li>Annual and joining fee of \u20b9500 each.<\/li>\n\n\n\n<li>Save with 1% fuel surcharge waiver and 1% transaction charge savings.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The IRCTC SBI Platinum Card is ideal for frequent railway travellers who want to maximise value on every trip. For instance, a \u20b91,000 ticket can earn a value back of \u20b9100, helping you save more each time you travel.<\/p>\n\n\n\n<p>If you are considering this card for its IRCTC-focused benefits, review the features and charges carefully to make an informed choice before applying.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#sbi-irctc-platinum-credit-card-benefits\">SBI IRCTC Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#irctc-sbi-platinum-card-charges\">IRCTC SBI Platinum Card Charges<\/a><\/li><li><a href=\"#terms-and-conditions-for-irctc-platinum-credit-card\">Terms and Conditions for IRCTC Platinum Credit Card<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sbi-irctc-platinum-credit-card-benefits\"><strong>SBI IRCTC Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card-1024x682.jpg\" alt=\"Benefits of IRCTC SBI Platinum Card\u00a0\" class=\"wp-image-82588\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-IRCTC-SBI-card.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>One of the benefits of the IRCTC SBI Platinum Card is that it offers 350 activation bonus reward points if you spend \u20b9500 within the first 60 days of card issuance. The other benefits are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can earn 500 reward points when you pay the annual renewal fee.<\/li>\n\n\n\n<li>If you purchase tickets from the <a href=\"https:\/\/www.irctc.co.in\/nget\/train-search\" target=\"_blank\" rel=\"noopener\">IRCTC website<\/a> 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.<\/li>\n\n\n\n<li>You can earn 1 reward point on every \u20b9125 spent across retail categories except fuel purchases.<\/li>\n\n\n\n<li>The card allows you to save 1% on transaction charges for railway ticket bookings.<\/li>\n\n\n\n<li>You can access 4 complimentary railway lounges per year, with 1 per quarter.<\/li>\n\n\n\n<li>As a cardholder, you can get a 1% fuel surcharge waiver on fuel transactions between \u20b9500 and \u20b93,000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"irctc-sbi-platinum-card-charges\"><strong>IRCTC SBI Platinum Card Charges<\/strong><\/h2>\n\n\n\n<p>SBI IRCTC Platinum Credit Card attracts a joining fee of \u20b9500 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.<\/p>\n\n\n\n<p>Here are the other charges for this card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fees and Charges<\/strong><\/td><td><strong>Amount&nbsp;<\/strong><\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% subject to at least \u20b9500<\/td><\/tr><tr><td>Cash Payment Fee<\/td><td>\u20b9250<\/td><\/tr><tr><td>Payment Dishonour<\/td><td>2% or at least \u20b9500<\/td><\/tr><tr><td>Cheque Payment Fee<\/td><td>2%<\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% per month or 45% per year<\/td><\/tr><tr><td>Over Limit Fee<\/td><td>2.5% subject to at least \u20b9600<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>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:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Outstanding Amount<\/strong><\/td><td><strong>Late Payment Fees<\/strong><\/td><\/tr><tr><td>0 to \u20b9500<\/td><td>Nil<\/td><\/tr><tr><td>\u20b9501 to \u20b91,000<\/td><td>\u20b9400<\/td><\/tr><tr><td>\u20b91,001 to \u20b910,000<\/td><td>\u20b9750<\/td><\/tr><tr><td>\u20b910,001 to \u20b925,000<\/td><td>\u20b9950<\/td><\/tr><tr><td>\u20b925,001 to \u20b950,000<\/td><td>\u20b91,100<\/td><\/tr><tr><td>Above \u20b950,000<\/td><td>\u20b91,300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terms-and-conditions-for-irctc-platinum-credit-card\"><strong>Terms and Conditions for IRCTC Platinum Credit Card<\/strong><\/h2>\n\n\n\n<p>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:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>Interest Rate<\/strong><\/td><\/tr><tr><td>60 days<\/td><td>0%<\/td><\/tr><tr><td>180 days<\/td><td>1.7% per month or 20.40% per year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>If you travel by train often, this card can help you maximise savings through reward points.&nbsp;<\/p>\n\n\n\n<p>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.\u00a0<\/p>\n\n\n\n<p>\ud83d\udca1Pay your credit card bills in an easy and secure way with<a href=\"https:\/\/piceapp.com\/\"> the PICE App<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764851533109\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who should get the IRCTC SBI Platinum Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Frequent railway travellers seeking travel rewards and savings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764851546511\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the joining fee for the IRCTC SBI Platinum Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u20b9500 plus applicable GST.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764851559259\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What rewards can I earn with this card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>10% value back on IRCTC bookings and 1 reward point per \u20b9125 spent.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764851573091\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a renewal bonus for this card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you earn 500 reward points upon renewal fee payment.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764851582975\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does the card offer a fuel surcharge waiver?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, 1% waiver on fuel spends between \u20b9500 and \u20b93,000.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The IRCTC SBI Platinum Card is ideal for frequent railway travellers who want to maximise value on every trip. For instance, a \u20b91,000 ticket can earn a value back of \u20b9100, helping you save more each time you travel. If you are considering this card for its IRCTC-focused benefits, review the features and [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":82585,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82584"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82584\/revisions"}],"predecessor-version":[{"id":82589,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82584\/revisions\/82589"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82585"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}