IRCTC SBI Platinum Credit Card - Comprehensive 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 millions of passengers daily on its 12,729 trains (as of March 2020) connecting 7,325 stations across the country.

You may seldom find someone who has not availed of the Indian Railways' services at some point in time. So, how wonderful would it be to avail of 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 extremely beneficial for the people who book train tickets as it comes associated with a host of benefits.

Below are the benefits of having an IRCTC SBI Platinum Credit Card :

Welcome Gift

• 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.

Reward Benefits

• Get 1 RP for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only).

• Additionally, you can also save 1% transaction charges on railway ticket bookings on www.irctc.co.in.

Value Back Benefits

• Buy tickets through IRCTC for AC1, AC2, AC3, and AC CC and earn up to 10% value back as Reward points.

• 1 Reward Point = Re. 1.

• Link your IRCTC SBI Card loyalty number with your IRCTC login id to redeem your Reward Points on IRCTC Website and Mobile App (Android only). For details, click here.

• Please read through the following illustration to understand the accrual process:

Railway Lounge Program

• Enjoy 4 complimentary railway lounge access in a year at participating lounges in India.

• Quadfercated to 1 Lounge access per quarter.

• Railway lounges access has been restricted to primary cardholders only.

• Click here for a list of participating lounges.

Fuel Surcharge Waiver

• 1% fuel surcharge across all petrol pumps in India.

• Applicable on transactions of Rs. 500 - Rs. 3,000 exclusive of GST and other charges.

• The waiver gets capped at Rs. 100 per statement cycle.

Fee Structure

• One-time Joining Fee: Rs. 500 + Taxes

• Annual Fee: Rs. 300 + Taxes

CP's Take

We've been using this fantastic piece of plastic since 2014, and it has helped us to save a lot of buck in terms of waiver of transaction charge and occasional free tickets. Out of many free tickets that we'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 www.irctc.co.in.




UPDATE: Loyalty member is now not mandatory as one of the passengers in the redemption ticket. Click here to know more.

Should you require any further information, please do not hesitate to drop us a line in the comment section below. Alternatively, you can also write to us at contact@chargeplate.in.

Thanks for reading!

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