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SBI CardFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 point per ₹125 on non‑fuel retail purchases; 10% value‑back as reward points on IRCTC AC1, AC2, AC3 and AC CC train tickets
Reward points can be redeemed on the IRCTC website after linking the card’s loyalty number; 1 point = ₹1. Additional welcome bonus of 350 points on first transaction.
The privileges that come bundled in, beyond the reward points.
10% value‑back as reward points on IRCTC train tickets (AC1, AC2, AC3, CC)
1% transaction‑charge waiver on IRCTC train ticket bookings
1% fuel‑surcharge waiver up to ₹100 per statement cycle
Four complimentary railway lounge accesses per year (max 1 per quarter)
Balance‑transfer facility
Flexipay installment conversion
Worldwide acceptance at 3,25,000+ outlets
Easy cash withdrawal at 1 million+ ATMs
Add‑on card facility
Utility bill payment via Easy Bill Pay
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.
Everything you need to know about SBI Irctc Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for SBI Irctc Platinum Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for SBI Irctc Platinum Credit Card from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
SBI Irctc Platinum Credit Card is designed to reward everyday spends. It currently features: "350 bonus points on spending ₹500 within 60 days of card activation". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.
Yes, SBI Irctc Platinum Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for SBI Irctc Platinum Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
