What is the welcome bonus?

Earn 350 bonus Reward Points on a single transaction of ₹500 or more within 45 days of card issuance.

What is the annual fee?

Annual / joining fee is ₹500 (plus taxes). Renewal fee terms may vary with promotions.

How do I earn rewards on IRCTC bookings?

Use the card to book tickets at www.irctc.co.in — IRCTC bookings earn accelerated reward points (up to the published rate).

Do I get lounge access?

Yes — complimentary railway lounge access up to 4 visits per year at participating lounges (max 1 per quarter).

Is there a fuel surcharge waiver?

A 1% fuel surcharge waiver is available at participating petrol pumps subject to SBI Card terms.

What documents are required to apply?

Valid PAN and Aadhaar are required; additional KYC/income proof may be requested during application and verification.

Credit Cards/SBI Bank/IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card

SBI Bank

Last updated: Feb 03, 2026

fuelgroceryrestaurantse-commerce

Annual Fee

₹500

Joining Fee

₹500

Forex Fee

3.5%

Lounge Access

4 visits/yr

A traveller-friendly co-branded card for frequent rail travellers. It delivers value-back on IRCTC bookings, a small activation bonus, and complimentary railway lounge access. Low annual fee makes it attractive for regular train users.

Features of IRCTC SBI Platinum Credit Card which makes it unique

IRCTC Value-back

Special reward structure for railway bookings made through IRCTC.

Better returns for train travellers

More attractive than generic low-fee cards for IRCTC bookings

Rewards Structure of IRCTC SBI Platinum Credit Card

Milestones of IRCTC SBI Platinum Credit Card

N/A

N/A : N/A

Fees & Charges of IRCTC SBI Platinum Credit Card

Fee & Amount	Fee Value
Joining Fee	₹500
Annual Fee	₹500
Forex Markup Fee	3.5%
Cash Advance Fee	0
Late Payment Fee	0%
Over Limit Fee	0
Returned Payment Fee	0
Cash Withdrawal Fee	0%

Renewal Conditions:Standard renewal fee applies; any promotional waiver conditions are per SBI Card terms.

Fee Explanation Standard SBI Card fees and interest apply. Finance charges on unpaid balances and cash advances follow SBI Card T&Cs. | Late payment fee details: ₹100 - ₹950 (depends on outstanding balance)

Detailed Explanation of IRCTC SBI Platinum Credit Card Fees

Joining / Annual Fee: ₹500 (yearly)

Standard joining/renewal fee as per SBI Card; taxes extra.

Cash Advance Fee: 2.5% (min ₹300) (transaction)

Applies on ATM cash withdrawals and cash-like transactions.

Lounge Access Benefits with IRCTC SBI Platinum Credit Card

domestic Lounges

silver

Visits per year: 4

Guest access: No

Complimentary railway lounge access (max 1 per quarter) at participating lounges.

Insurance Coverage with IRCTC SBI Platinum Credit Card

Rail accident cover

As per SBI/IRCTC co-brand terms

Subject to SBI Card terms and any recent policy updates.

Additional Features of IRCTC SBI Platinum Credit Card

Contactless Payments

Tap-and-pay enabled

Add-on Cards

Add-on cards available as per SBI Card policy

Welcome Bonus with IRCTC SBI Platinum Credit Card

Welcome Bonus: 350 bonus Reward Points
Bonus Conditions: Bonus awarded on a single transaction of ₹500 or more within 45 days of card issuance. Activation and IRCTC spend terms apply.

Application Process for IRCTC SBI Platinum Credit Card

Processing Time

Instant decision; card dispatched within 5-7 business days (subject to verification).

Online Application

Available

Instant Approval

Available

Step-by-Step Process

Apply online via SBI Card or IRCTC co-branded portal

Upload KYC documents

Receive verification/approval

Card dispatched within 5-7 business days after approval

Required Documents for IRCTC SBI Platinum Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

if applicable

Accepted documents:

Payslip Form 16