IRCTC SBI Platinum Card

The IRCTC SBI Platinum Card is a co-branded credit card offered by the State Bank of India (SBI) in association with the Indian Railway Catering and Tourism Corporation (IRCTC). It is specifically designed for frequent train travelers in India. The card comes with a range of benefits and features tailored to enhance the travel experience of railway passengers.

Benefits of IRCTC SBI Platinum Card

The IRCTC SBI Platinum Card offers various benefits and features to enhance the travel experience of railway passengers. Here are the key details of the card:

Welcome Gift: Earn ₹100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.

Bonus Reward Points: Earn bonus reward points on eligible transactions, which will be credited to your IRCTC SBI Platinum Card account within 45 days.

Value Back Benefits: Link your IRCTC SBI Card loyalty number with your IRCTC login ID to redeem reward points on the IRCTC website and mobile app (Android only).

Reward Benefits: Each reward point is valued at ₹1. However, the reward points won’t be credited to your IRCTC loyalty account if it is blocked, inactive, or suspended.

Travel Offers from IRCTC: Enjoy a wide range of tailor-made packages for adventure, wildlife, pilgrimage, and leisure tours across India. Accommodation is also available at over 5,000 hotels in 350 cities.

Railway Lounge Program: Get four complimentary railway lounge access in a year to participating lounges in India, with a maximum of one access per quarter. Remember to use your IRCTC SBI Platinum Card at the respective lounges to avail the offer.

Fuel Surcharge Waiver: Enjoy freedom from paying the 1% fuel surcharge at all petrol pumps in India on transactions ranging from ₹500 to ₹3,000 (exclusive of GST and other charges).

It’s important to note that the specific terms and conditions, eligibility criteria, and current offerings may vary. For accurate and up-to-date information, refer to the official websites of SBI and IRCTC or contact their customer service.

Features of IRCTC SBI Platinum Card

Transaction Charges Waiver: When you book railway tickets on using your IRCTC SBI Platinum Card, you save 1% on transaction charges (exclusive of GST and other charges). However, if you decide to cancel any railway ticket booked online using your card, a charge of 1% of the total refund amount will be debited to your card.

Offers from Visa: The IRCTC SBI Platinum Card provides great offers on travel, golf, dining, and entertainment options from Visa. SBI Card accepts no liability for the content of these offers or for any consequences resulting from actions taken based on the offer, as it is provided on behalf of Visa.

Contactless Advantage: The card offers the convenience of contactless payments. By waving your card at a secure reader, you can complete your daily purchases quickly and easily without the need for cash or coins. This method is secure as the card remains in your hand during the transaction, reducing the risk of card loss and fraud.

Cash on the Go: You can withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India.

SBI Drop Box Locator: You can locate the nearest SBI Card drop box by sending an SMS with your 6-digit pin code to 56767. You will receive a list of drop boxes in your area. Please note that premium SMS charges apply.

Global Acceptance: The IRCTC SBI Platinum Card is accepted at over 29 million Visa outlets worldwide and 325,000 outlets in India. Simply look for the Visa sign of acceptance and present your card for payment.

Empower your Family: You can apply for add-on cards for your children, siblings above the age of 18, spouse, and parents.

Easy Bill Pay Facility: Use the Easy Bill Pay facility to ensure your electricity, insurance, telephone, and other utility bills are paid on time. Visit the provided link to learn more.

Balance Transfer on EMI: You can transfer the outstanding balance from your other bank’s credit card to your IRCTC SBI Platinum Card and avail a lower rate of interest, paying it back in EMIs. Log on to to book a Balance Transfer on EMI.

Flexipay: With Flexipay, you can convert your transactions of Rs. 2,500 or more into easy monthly installments. Log on to within 30 days of purchase to avail this facility.

Easy Money Facility: The Easy Money facility allows you to avail money as and when you need it, with the cheque or draft delivered to your doorstep. Visit the provided link for more information.

Railway Ticket Booking: You can use your IRCTC SBI Platinum Card to book railway tickets online. Visit, register for free, log in with your user name and password, and follow the instructions to make your reservations. Payments can be made using your SBI Card at the payment gateways that accept Visa cards. All transactions on are governed by the terms and conditions of the website.

Please note that the information provided is based on the details given and may be subject to updates or changes. For the most accurate and up-to-date information, it is recommended to refer to the official sources and documents related to the IRCTC SBI Platinum Card.

Fees and Charges

– Annual Fee (one-time): Rs. 500 + GST
– Renewal Fee (per annum): Rs. 300 + GST
– Add-on Fee (per annum): Nil

Fees and Charges:
For detailed information on fees and other applicable charges, please refer to the Most Important Terms & Conditions.

Order of Payment Settlement:
All payments made for a cardholder account will be settled in the following order: Minimum Amount Due (inclusive of applicable taxes and EMI on EMI-based products, and 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding, and Cash Advance.

Important Points to Know:
– Cheques payable outside clearing zones are not accepted. Only local cheques or drafts payable in Delhi are accepted for payment.
– All taxes will be charged as applicable on all the above fees, interest, and charges.
– The value proposition of the co-brand product may involve joint funding by SBI Card and the co-brand partner, with fee and revenue sharing arrangements between the parties.
– Your continued use of the card will be considered acceptance of any amendments made to the terms and conditions.

For assistance, please contact the SBI Card helpline at:
– From BSNL/MTNL numbers: 1800 180 1295
– From all other numbers: 39 02 12 12
– Remember to prefix your STD code if using a mobile phone.

Please note that the information provided is based on the details given and may be subject to updates or changes. It is advisable to refer to the official sources and documents, as well as the Most Important Terms & Conditions provided by SBI Card, for the most accurate and up-to-date information.


1. What is the IRCTC SBI Card loyalty number?
The IRCTC SBI Card loyalty number is an 11-digit number that is assigned to cardholders upon approval of their IRCTC SBI Card. It can be found embossed below the cardholder’s name on the physical card. Cardholders can avail the benefits of the IRCTC SBI Card by linking their loyalty number to their existing login ID.

2. When is the transaction password required?
The transaction password is different from your profile password. You need to enter the transaction password when redeeming reward tickets.

3. How can I set the transaction password?
To set the transaction password, follow these steps:
– Click on “Please set your Transaction Password” after logging in.
– Enter your registered email ID and login password.
– Enter the OTP sent to your registered mobile number and set a new password following the password instructions.
– After submitting the details, you will receive a confirmation message.

4. How can I reset the transaction password?
To reset the transaction password, follow these steps:

– Go to the “My Account” section under the “My Profile” tab.

– Enter the OTP sent to your registered mobile number linked with your user ID.

– After resetting the password, you will see a confirmation message.

5. How can I check my reward point balance?
To check your reward point balance, log in to using your login ID and password linked to your IRCTC SBI Card loyalty number. The reward point balance can be found in the loyalty tab.


In conclusion, the IRCTC SBI Platinum Card offers several benefits and features tailored for railway travelers. These include welcome gifts, bonus reward points, value back benefits, travel offers from IRCTC, railway lounge access, fuel surcharge waiver, and more. The card also provides the convenience of contactless payments and global acceptance, as well as additional facilities such as cash withdrawals, bill payments, balance transfers, and easy installment options. It’s important to review the terms and conditions, fees, and charges associated with the card before applying or using it to ensure it aligns with your needs and financial situation.

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