IRCTC SBI Platinum Credit Card - Review - ChargePlate - The Finsavvy Arena

IRCTC SBI Platinum Credit Card - Review


It won't be incorrect to say that Indian Railways is the nation's bloodline as it keeps the nation running by transporting almost 2.5 crore passengers daily on 9991 trains connecting 7,172 stations across the country.


You may rarely find anyone who has not availed the Indian Railways' service. We all are connected to this largest rail network in Asia.

So, how wonderful would it be to avail perks, discounts, and free Rail Tickets on ordinary daily expenditures such as paying utility bills, buying petrol at petrol pumps, and making purchases at departmental stores, online shopping, etc.?

Well, that's possible with IRCTC SBI Platinum Credit Card. This card is handy for the people who book train tickets as it has a host of benefits associated with it.

Want more? OK, it has a meager annual fee as well. Below are the benefits of having IRCTC SBI Platinum Credit Card :

⋆ Get 350 activation bonus Reward points on spending Rs. 500 or more within 45 days of card issuance (basically you get back RP worth Rs 350 against Rs 500 joining fee) 

⋆ Buy tickets through IRCTC for AC1, AC2, AC3, and AC CC and earn up to 10% value back as Reward points. (1 Reward Point = Rs. 1)



⋆ Save 1.8% transaction charges on railway ticket bookings on IRCTC official website.

⋆ 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000

⋆ 1 reward point for every Rs.125 spent on non-fuel purchases

I've been using this fantastic piece of plastic since 2014, and it has helped me to save a lot of buck in terms of waiver of 1.8% transaction charge and occasional free tickets. Out of many free tickets that I've availed, below is the latest one for your reference :

The transaction fee waiver is directly credited to your SBI Card account :


Free tickets can be availed directly through irctc.co.in



One-time Joining Fee: Rs. 500
Annual Fee: Rs. 300

Please note:

a) Your IRCTC SBI Card loyalty number is an 11 digit number which gets allocated on approval of IRCTC SBI Card.

b) Reward Points can be earned on 1st Class AC, ACII Tier, ACIII Tier, Executive Chair Car, and AC Chair Car travel only

c) Please read through the following illustration to understand the accrual process:

If you have any other queries, please drop it in the comments section. I try to reply to each one of them as early as possible.

IRCTC SBI Platinum Credit Card - Review IRCTC SBI Platinum Credit Card - Review Reviewed by Rahmat on July 09, 2019 Rating: 5

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