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IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card is designed for frequent train travellers, offering value-back on IRCTC bookings and reward points on activation. It includes complimentary railway lounge access each year and a low joining fee, making it a practical option for regular domestic rail journeys with simple benefits and easy eligibility.

IRCTC SBI Platinum Credit Card

About IRCTC SBI Platinum Credit Card

The IRCTC SBI Platinum Credit Card is a co-branded travel card introduced by SBI Card in partnership with IRCTC, specially designed for railway passengers. It offers attractive savings on train ticket bookings made through IRCTC, along with benefits such as complimentary railway lounge access and waiver of transaction charges on ticket purchases. Cardholders also earn reward points on everyday retail spending, making it useful beyond travel-related expenses.

This card is well suited for individuals who frequently travel by train and want a budget-friendly credit card with travel-focused benefits. For those seeking enhanced features, SBI Card also offers the IRCTC SBI Premier Credit Card at a higher annual fee, which comes with upgraded rewards and additional travel privileges for frequent travellers.

IRCTC SBI Platinum Card – Travel Benefits

  • Earn enhanced rewards on train ticket bookings made through the IRCTC platform, offering higher value-back on select AC classes.

  • Save on booking costs with a waiver on railway ticket transaction charges when payments are made using the card.

  • Enjoy complimentary access to railway lounges, with a limited number of free visits available each year.

  • Rewards earned are credited as points, which can be redeemed on the IRCTC website or mobile app after linking the card’s loyalty number with the IRCTC account.

  • While IRCTC also allows flight, hotel, and holiday bookings, the extra rewards and fee waivers under this card apply only to train ticket reservations.

Other Features & Benefits

Reward Points

  • Earn 1 reward point for every ₹125 spent on the card, including train ticket bookings made through the IRCTC website or mobile app.

Welcome Benefits

  • Receive bonus reward points worth ₹350 after activating the card and completing the first eligible transaction.

  • Get cashback on your first ATM cash withdrawal made within a specified period after card issuance.

Fuel Surcharge Waiver

  • Enjoy a 1% waiver on fuel surcharge, subject to a monthly cap, helping you save on fuel expenses.

IRCTC SBI Platinum Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IRCTC SBI Platinum Card Fees and Charges

Fee Type Amount
Joining Fee Rs. 500 + Taxes
Annual Fee Rs. 500 + Taxes
Finance Charges 3.50% p.m. | 42% p.a.
Late Payment Charges
For Statement Balance:
Less than Rs. 500 Nil
Rs. 500 to Rs. 1,000 Rs. 400
Rs. 1,000 to Rs. 10,000 Rs. 750
Rs. 10,000 to Rs. 25,000 Rs. 950
Rs. 25,000 to Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Things to Consider Before Applying

  • This card is a good choice if you regularly travel by train and want to reduce your ticket booking costs.
  • It suits users who are not focused on earning extra benefits across multiple spending categories.
  • You should consider this card if you are looking for a travel-oriented credit card with a relatively low annual fee.

Steps to Close IRCTC SBI Platinum Credit Card

If you want to close your IRCTC SBI Platinum Credit Card, you can follow the official closure process provided by SBI Card. These offline methods are helpful if you prefer direct assistance or are unable to submit an online request.

Visit Nearest Branch

  • Visit your nearest SBI branch with valid ID proof and credit card details

  • Request the credit card closure form from the bank representative

  • Fill in all required details accurately

  • Submit the form for verification and processing

Call Customer Care

Steps:

  • Request the executive to initiate credit card closure

  • Provide details like last 4 digits of the card and registered mobile number

  • Complete verification as instructed

Send Written Request

You can also send a formal written request including:

  • Cardholder name

  • Registered address

  • Contact number

  • Last 4 digits of the credit card

Mailing Address:

  • SBI Cards and Payment Services Limited
    • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
    • E-1, 2, 3 Netaji Subhash Place, Wazirpur, New Delhi – 110034

Important Points to Remember

  • Clear all outstanding dues including EMIs, interest, and charges before closure

  • Redeem reward points before account closure

  • Cancel all auto-debits and subscriptions linked to the card

  • Do not use the card after submitting the closure request

  • Request confirmation via SMS or email

After Closure

  • Cut the card diagonally across the chip and magnetic strip

  • Check your credit report after a few weeks to ensure status is updated as “Closed”

IRCTC SBI Platinum Credit Card Helpline Number

If you need assistance regarding your IRCTC SBI Platinum Credit Card, you can contact the customer support team of SBI Card for help with billing, payments, card blocking, reward points, travel-related benefits, and other services.

Customer Care Helpline Numbers

Availability

  • IVR Services: 24×7 available

  • Customer Care Executives: Monday to Saturday (9:00 AM – 6:00 PM)

Note: Calls to 1860 numbers may be chargeable depending on your telecom operator.

International Customer Support

This number can be used when calling from outside India.

Email Support

SMS Services (For Existing Cardholders)

Send SMS to 5676791 from your registered mobile number:

  • Balance Check: BAL XXXX

  • Available Limit: AVAIL XXXX

  • Block Card: BLOCK XXXX

  • Payment Status: PAYMENT XXXX

  • Reward Points: REWARD XXXX

  • E-Statement: ESTMT XXXX

  • Duplicate Statement: DSTMT XXXX MM

(Replace XXXX with last 4 digits of your card)

WhatsApp Support

Activation Methods:

  • Missed call on 08080945040

  • SBI Card mobile app or website registration

  • SMS: WAOPTIN XXXX to 5676791

Services Available

Customer care can help you with:

  • Billing and statement-related queries

  • Reporting lost or stolen cards

  • Fraud and transaction disputes

  • Reward points and offers information

  • Credit card closure or upgrade requests

Important Tips

  • Keep your registered mobile number and card details ready

  • Never share sensitive information like OTP, PIN, or CVV

  • Always note your complaint/reference number for tracking

  • In case of fraud, block your card immediately using official channels

FAQs

Can SBI IRCTC reward points be converted into cash or statement credit?

Reward points earned on the SBI IRCTC Platinum Credit Card cannot be redeemed as cash or adjusted against the card bill. These points are meant to be used for booking train tickets through IRCTC at an equivalent value. To use them, the card’s loyalty number must be linked to your IRCTC user account.

Yes, ticket reservations made through the official IRCTC mobile application are eligible for reward points. Cardholders can earn enhanced rewards on eligible train ticket bookings completed via the app.

The card comes with a one-time joining charge in the first year, followed by a lower renewal fee from the second year onward. Applicable taxes are charged separately as per government norms.

No, the SBI IRCTC Platinum Credit Card does not include complimentary airport lounge access. Its benefits are mainly centered around railway travel and train ticket bookings.

The Platinum version is the entry-level option with a lower annual cost, while the Premier variant comes with a higher fee and added privileges. Although both offer similar savings on train tickets, the Premier card includes extra rewards and lifestyle benefits. The right choice depends on how much you spend and the type of benefits you value most.