IRCTC SBI Platinum Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

IRCTC SBI Platinum Credit Card: The IRCTC SBI Platinum Credit Card, a seamless collaboration between SBI and Indian Railways, tailored to elevate your travel experiences. With its affordable price point, this card offers a host of rewards and privileges that add significant value to your transactions.

Priced at just Rs. 500 plus taxes, the IRCTC SBI Platinum Credit Card is designed to deliver exceptional benefits without breaking the bank. Upon activation, earn 350 bonus reward points by spending just Rs. 500 within the first 45 days, jumpstarting your rewards journey from the outset.

Enjoy the convenience of earning 10% value back while booking train tickets on IRCTC’s website, in the form of reward points, further enhancing your savings with every transaction. Additionally, benefit from a 1% fuel surcharge waiver at gas stations across India, making your fuel purchases more economical.

Experience the ease and security of contactless payment technology, simplifying your daily transactions and ensuring a seamless payment experience.

With the IRCTC SBI Platinum Credit Card, unlock a world of rewards and privileges that enhance your travel and shopping experiences. For more information, refer to our detailed article.

Apply now and embark on a journey of convenience, savings, and rewards with SBI Card and Indian Railways.

Rewards and Benefits

• Movie & Dining:- Not applicable.
• Rewards Rate:- Earn valuable Reward Points while booking railway tickets on IRCTC and receive up to 10% Value Back. Additionally, earn 1 Reward Point for every Rs. 125 spent, with each Reward Point equivalent to Re. 1.
• Reward Redemption:- Redeem your Reward Points for booking railway tickets exclusively on the IRCTC website, maximizing your savings and travel experiences.
• Travel:- Enjoy exclusive benefits when booking railway tickets on IRCTC’s website, including a 1% savings on transaction charges. Explore accommodation offers at over 5,000 hotels across 350 cities in India and access custom-made packages for adventure, wildlife, leisure, and pilgrimage travel across India, all conveniently available on the IRCTC website.
• Golf:- Not applicable.
• Domestic Lounge Access;- Benefit from 4 complimentary railway lounge accesses per year, with a maximum of 1 access permitted per quarter, ensuring comfort and relaxation during your travels.
• International Lounge Access:- Not applicable.
• Insurance Benefits:- Not applicable.
• Zero Liability Protection: –Not applicable.

Experience the convenience and value of the IRCTC SBI Card Premier, tailored to enhance your railway ticket bookings, travel experiences, and overall lifestyle, making every journey memorable and rewarding.

Fees & Charges

• Spend Based Waiver:- There are no provisions for spend-based waivers with this card.
• Rewards Redemption Fee:- A nominal redemption fee of Rs. 99 is applicable for each rewards redemption transaction, ensuring convenient access to your earned rewards.
• Foreign Currency Markup:- For international transactions, a foreign currency markup of 3.5% of the total transaction value is charged, facilitating seamless global transactions.
• Interest Rates:- Benefit from competitive interest rates of 3.5% per month or 42% per annum, allowing for flexible repayment options.
• Fuel Surcharge:-Enjoy a 1% fuel surcharge waiver at all fuel stations across India, with a maximum waiver of Rs. 100 per statement cycle, providing savings on fuel expenses.
• Cash Advance Charges:- For cash advances, a fee of 2.5% of the total transaction amount or a minimum of Rs. 500 is charged, ensuring access to emergency funds when needed.
• Add-on Card Fee:- There are no charges for adding supplementary cards to your account, allowing you to share the benefits of the card with your loved ones at no additional cost.

Experience the convenience and flexibility of the card’s features and fees, tailored to suit your financial needs and lifestyle.

Product Details

• Kickstart your rewards journey with 350 bonus Reward Points by spending just Rs. 500 or more within the first 45 days of card activation. Plus, enjoy up to 10% value back in the form of Reward Points on the IRCTC website, making your train ticket bookings even more rewarding.
• Unlock exclusive travel offers on ticket bookings, hotels, tour packages, and more on the IRCTC website, allowing you to maximize your savings and enjoy unforgettable travel experiences.
• Earn 1 reward point for every Rs. 125 spent on non-fuel purchases, further bolstering your rewards balance with every transaction. Plus, enjoy the luxury of 4 complimentary railway lounge accesses per year, with a maximum of 1 per quarter, providing a serene sanctuary during your travels.
• Experience the convenience of a 1% transaction charge waiver on booking railway tickets via the IRCTC website, ensuring seamless and cost-effective travel arrangements. Additionally, benefit from a fuel surcharge waiver of 1% at all fuel stations in India, making your fuel purchases more economical.
• With global acceptance at millions of outlets accepting VISA cards, the IRCTC SBI Platinum Credit Card offers unmatched convenience and flexibility, whether you’re traveling domestically or abroad.
• Elevate your travel and lifestyle experiences with the IRCTC SBI Platinum Credit Card. Apply now and unlock a world of rewards and privileges with SBI Card and Indian Railways.

IRCTC SBI Platinum Credit Card Features

IRCTC SBI Platinum Card Welcome Benefits

Upon activation of the IRCTC SBI Platinum credit card, enjoy an activation bonus of 350 on a transaction of Rs. 500 or more within 45 days of card activation.
Additionally, receive Rs. 100 cashback on your first ATM cash withdrawal within 30 days of card issuance.

Travel Benefits

Save 1% on transaction charges when booking railway tickets on the IRCTC website.
Access accommodation offers at over 5,000 hotels across 350 cities in India.
Unlock exclusive travel privileges including discounted air ticket bookings and custom-made tour packages ranging from adventure to leisure and pilgrimage across India through the IRCTC website.

Other Benefits and Privileges

Convert transactions of Rs. 2,500 and above into convenient monthly installments using Flexipay.
Avail doorstep delivery of drafts or cheques against your cash limit with Easy Money.
Transfer outstanding balances from other banks to your card and repay them through easy EMIs at lower interest rates.

IRCTC SBI Platinum Credit Card Rewards and Redemption

Earn 1 Reward Point for every Rs. 125 spent on retail purchases (excluding fuel) with your IRCTC SBI Platinum credit card, where 1 Reward Point equals Re. 1.
Receive up to 10% Value Back as Reward Points when booking railway tickets on IRCTC, valid for AC1, AC2, AC3, and AC CC categories.
Redeem accumulated Reward Points against booking railway tickets on the IRCTC website.

Eligibility Criteria for IRCTC SBI Platinum Credit Card

To qualify for the IRCTC SBI Platinum credit card, applicants must meet the following eligibility criteria:

Minimum age of 18 years.
Steady source of income, whether salaried or self-employed.
Good credit score or credit history, preferably above 700.

IRCTC SBI Platinum Credit Card Review

The IRCTC SBI Platinum Credit Card is a popular choice among travelers, especially railway commuters, offering a host of benefits tailored to their needs. With perks like discounts on railway ticket bookings, hotel offers, and customizable tour packages, this card is a valuable companion for frequent travelers. Additionally, its contactless payment feature enhances convenience during travel.

What are your thoughts on this credit card? Share your opinion with us.