Benefits of the IRCTC SBI Platinum Card
✅Welcome benefit
✅Value back benefit
✅1.8% transaction fee waiver on booking railway and flight tickets on the IRCTC portal
✅1% fuel surcharge waiver
✅Railway lounge access on the IRCTC SBI Premier Credit Card and complimentary insurance cover
More information about the benefits of this credit card
Enjoy 4 complimentary railway lounge accesses per year (maximum 1 per quarter) at participating lounges across India.
To enjoy this benefit, simply use your IRCTC SBI Platinum Card at the respective lounge.
Enjoy freedom from paying the 1% fuel surcharge at all petrol pumps in India for transactions between ₹500 and ₹3,000 (excluding GST and other charges).
Everyday purchases become effortless with the IRCTC SBI Platinum Card. Just wave your card at a secure reader and the transaction is complete. It’s fast, easy, and incredibly convenient.
Fast and convenient
For small, everyday expenses, there’s no need to hand over your card or search for cash or coins. Just wave your card and go — quick and convenient.
Security
The card never leaves your hand during payment, reducing the risk of loss and skimming-related fraud. Even if the card is tapped multiple times, Visa payWave technology ensures only one transaction goes through, making it safer.
Why do we recommend this credit card?
When it comes to Indian Railways ticket bookings, this card offers the best discounts. Its primary focus is railway-related benefits, and it delivers on that promise.
The IRCTC SBI Platinum Credit Card is a very basic card, ideal for individuals with low travel expenses or occasional travel needs.
Since it is clearly focused on travel benefits, the card offers limited advantages in other spending categories.
You earn 1 reward point per ₹125 spent, which is among the lowest in the category.
Who can apply for this credit card?
Eligibility criteria:
☑️ Age: Minimum 21 years, maximum 60 years
☑️ Salaried or self-employed
