SBI IRCTC Platinum Credit Card Review
IRCTC SBI Platinum Credit card is a co-branded card that provides 10% Value back reward points on every AC ticket booking by IRCTC give great value for regular train travellers by saving a lot of money. For non-AC or e-Catering by IRCTC, there is 2% value back reward points, along with 4 railway lounges, making this card a great option.
In this review, we will discuss everything about its benefits and rewards, pros and cons, and my verdict on who should apply and who should not, so read it till the end before applying.
SBI IRCTC Platinum Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹500 + GST (18%) |
| Annual Fee | ₹500 + GST (18%) |
| Base Reward Rate | 10% |
| Best Reward Categories | travel_train |
| Forex Markup | 3.5% |
| Lounge Access | 4 IRCTC Railway Lounge in a year. |
SBI IRCTC Platinum Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹20,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-65 Years |
If you are a salaried person and earn monthly ₹20,000 or more, or if you are self-employed and earn ₹4 Lakh annually, then you can apply for this card to get IRCTC benefits.
SBI IRCTC Platinum Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | ₹350 (Reward points) on 1st transaction of Minimum ₹500. |
| Bonus Categories | IRCTC SBI Card |
| Reward Structure |
|
| Reward Exclusions | No reward point on spend on Fuel, Rent, Wallet, etc. |
| Reward Expiry | 2 Years |
This Co-branded card focuses on value back of rewards on IRCTC booking, so let’s understand exactly:-
- 10 Reward Points for every ₹100 spent on IRCTC booking for AC1, AC2, AC3, Chair Car (CC), Executive Chair Car (EC), tickets.
Now, there is a twist as per the season. During the peak season, from 15 January to 31 March and 15 July to 15 September, you’ll receive the maximum benefit of 10% Reward points. For other off-season periods, the benefit is only 4%.
Now, other than ticket booking, if you use this card on IRCTC for e-Catering or non-AC ticket, you’ll get 2% value back or 2 Reward points on ₹100 spent.
Apart from IRCTC, there is no major benefit on other spending, only 1 Reward point on ₹125 spent (0.8%) on all other spending except the exclusion list.
There are milestone-based reward points, also like onthe 1st transaction of a minimum of ₹500, 350 Reward points, on renewal, 500 Reward points, and also on spend-based milestone rewards.
These reward points are valid for a maximum of 2 years. You can use them in the IRCTC app/website for booking or ordering.
How to Apply for SBI IRCTC Platinum Credit Card
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Check Eligibility
If your monthly income is ₹20,000 or more , your age falls within 21-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the SBI IRCTC Platinum Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- 10% Value back on IRCTC AC ticket.
- No upper limit of spend.
- Good for those who travel by train regularly.
- 4 Railway Lounge Access in a year.
Cons
- Other than IRCTC, no major benefits.
- No fee waiver on renew.
- Reward points can use on IRCTC only.
Our Verdict
IRCTC SBI Platinum Credit card is good for those who travel by train in AC class to get maximum benefits on booking of value back equal to 10%, which can save a lot of money for frequent train travellers.
For Non-AC booking or IRCTC other spend there is 2% value back, 4 train lounge access provided by this card. No major benefit other than IRCTC spend is provided by this card, so its primary aim is clear.
Now, if you travel frequently by train, then you can apply for this card to get maximum reward points of 10% on booking and even use those points for further bookings.
