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IRCTC Platinum Card 2021

IRCTC Platinum Card Fee and Charges

Last Updated 04th May 2021
Joining fees₹ 500
First Year Annual Fees ₹ 300
Renewal Fees from 2nd Year ₹ 300
Interest Rate/ Finance Charges per month3.35%
Brand Partner IRCTC
Late Payment Charges ₹ 950

IRCTC Platinum Card Features

  • Value Back
  • Transaction fee waiver
  • Bonus reward points
  • Complimentary lounge visits
  • Redeem reward points

IRCTC Platinum Card Benefits

  • Upto 10% value backs on bookings made from IRCTC on AC1, AC2, AC3, AC CC
  • Save 1% transaction charges on railway ticket bookings on IRCTC
  • Get 350 bonus points on joining
  • Get 4 complimentary Premium Railway Lounge Access
  • IRCTC reward points can be redeemed from the webiste for free

IRCTC Platinum Card Eligibility

An applicant needs to meet the following criteria to get IRCTC Platinum Card from SBI:

  • Income: SBI requires a minimum monthly income of ₹ 20,000 or above is to be eligible for IRCTC Platinum Card.
  • Age: The applicant should be of of minimum 21 years to be eligible for IRCTC Platinum Card.
  • CIBIL: SBI require a minimum CIBIL score of 700 for issuing its IRCTC Platinum Card.
  • Occupation: SBI offers this credit card to both, salaried and self employed professionals and businessman with regular source of income.
Eligibility ParametersCriteria
Income ₹ 20,000
Age Min 21 years
CIBIL Score700 and above
OccupationSalaried and Self Employed

More about Travel and Airline Card

  • Travel with comfort
  • Travel and airline card give ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.
  • Earn additional travel mile points on each ticket purchase if you are a part of frequent flying program for an airline.
  • Miles can be transferred to airline partners.
  • Accumulated miles in your account never expire.
  • Access to premium lounges.
  • In-flight purchase discounts on food.
  • World wide acceptance of the card.


What charges I need to pay as joining fee for IRCTC Platinum Card of SBI?

Joining fee charged on SBI IRCTC Platinum Card is ₹ 500.

What is the annual fee for IRCTC Platinum Card ?

Annual fee charged on IRCTC Platinum Card is ₹ 300.

Can I waive off my annual fee on IRCTC Platinum Card ?

no waiver on your IRCTC Platinum Card annual fee.

Is there any late payment charge on IRCTC Platinum Card ?

No, SBI does not charge any late payment fee on your IRCTC Platinum Card.

What is the second year renewal fee on IRCTC Platinum Card ?

SBI charges a second year renewal fee of ₹ 300 on your IRCTC Platinum Card

What is the interest charge per month on IRCTC Platinum Card ?

SBI charges an interest of 3.35% per month on IRCTC Platinum Card.

SBI Credit Card Reviews 2.5/5  by 1 customers
MyLoanCare Service
Banks Service
Govind Bhai Darji, Ahmedabad
Reviewed on 14th Oct 2019
2.5 / 5 stars
SBI Credit Card Availed in Jun 2019

Good job.

SBI Credit Card News - May 2021
  • 2021-04-27 : SBI introduced video KYC on mobile banking app YONO
    With an aim to improve the customer experience and improve the loan and investment portfolio, SBI introduced KYC on its Mobile banking app YONO. The digital initiative, powered by AI and Facial Recognition Technology, is a contactless and paperless process.
  • 2021-04-27 : SBI Card reported a Q4 profit of ₹175-crore profit
    SBI Card reported a net profit of ₹175 crores for the fourth quarter ended March 31, 2021. The profit was boosted by an increase in other income, lower provisioning for impairment and bad debts.
  • 2021-03-21 : SBI recorded digital transactions as high as 67%
    State Bank of India has recorded a considerable increase in its digital transactions. The bank reported 67% digital transaction in the post Covid period from earlier 60% in the pre Covid times. The increase is attributed to hike in e-commerce due to covid induced lockdown which restricted the movement.
  • 2021-01-08 : SBI and IOC launched co-branded RuPay debit card
    State Bank of India (SBI) and Indian Oil Corporation (IOC) launched a co-branded contactless RuPay debit card. It is a contactless card and transactions up to Rs 5,000 can be paid for with just a tap. The cardholder will get several attractive benefits and associated offers on the purchase of fuel.
  • 2020-12-16 : SBI Card, BPCL to launch credit card offering benefits to high fuel spending customers
    SBI Card launched BPCL SBI Card Octane jointly with BPCL offering maximum savings to consumers who spend a significant amount on fuel. The card is striving to offer maximum savings to the well-heeled consumer who spends a significant amount on fuel. The BPCL SBI Card Octane offers 25X reward points on spends for BPCL fuel and MAK Lubricants, Bharat Gas (LPG) spends (website and app only) and BPCL In and Out convenience store spends. Additionally, The card also offers a complimentary fraud liability cover of Rs 1 lakh.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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