SBI IRCTC Credit Card Review – Offers, Benefits, Eligibility​ & How To Apply


The SBI Railway Card is a unique, one-of-its-kind Credit Card that gives you the power to get FREE railway tickets and thereby, helps you get better value for your money. Especially brought to you by SBI Card and Indian Railways through IRCTC, it keeps you a step ahead with a host of other unmatched benefits.

Apply for SBI IRCTC Credit Card & Get free 350 reward points + Rs.100 Cashback On First ATM withdrawal. You can also get 1% Cashback on petrol pump with IRCTC Credit Card. Follow below mentioned steps to apply for a New SBI Credit Card.

sbi irctc credit card

Steps To Apply SBI IRCTC Credit Card

First Goto Credit Card Apply Page
● Fill Up All Required Details
● Verify Your Mobile Number
● Finally, Apply For Credit Card

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Key Features Of IRCTC SBI Platinum Credit Card

✔ Free 350 Reward Point As Welcome Bonus
✔ Rs.100 Cashback On First ATM withdrawal
✔ 1% Cashback on a Fuel pump
✔ Upto 10% Cashback On Railway Tickets Booking

IRCTC Credit Card Charges

Annual Fee (one-time)₹500
Renewal Fee (per annum)₹300
Add-on Fee (per annum)Nill
Cash Advance limitUp to 80% of the set credit limit or Rs. 15,000 for platinum cards.
Free Credit PeriodUpto 45 Days
Cash Advance ChargesUp to 3.35% per month
Late Payment ChargesSBI does not charge any fee for outstanding amounts of up to Rs. 200. However, for the amount above Rs. 200, the bank charges late payment fees ranging from Rs. 100 to Rs. 750.
Overlimit2.5% of the amount over limit, subject to a minimum of ₹500.
Card replacement₹100
Foreign Currency Transaction3.5% conversion mark up

IRCTC credit card offers

IRCTC credit card offers
  • Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
  • Earn upto 10% Valueback as Reward points on tickets booking through irctc.co.in for AC1, AC2. AC3 and AC CC
  • Shop, dine, travel on your SBI Railway Card and earn 1 Railway Point for every Rs. 125 of retail spends
  • Get a complimentary personal accident insurance cover of Rs. 10 lac in the event of loss of life resulting from a train accident, while traveling on a valid ticket

SBI IRCTC Credit Card Eligibility

  • PAN Card
  • Income Proof: Latest Income Tax Return Form/ Form 16/ Salary Slip/ Salary Certificate
  • Address Proof: Telephone Bill/ Passport/ Electricity Bill/ Bank Passbook / Letter from recognized public authority / Aadhaar Card/ Ration Card
  • Passport size photograph
  • Identity proof

Advantage Of 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
  • Earn Rs. 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card

Value Back Benefits

  • Buy tickets through irctc.co.in for AC1, AC2. AC3 and AC CC and earn upto 10% Valueback as Reward points. (1 Reward Point = Rs. 1)
  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in

Fuel Surcharge Waiver

  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3,000, exclusive of GST and other charges

Global Acceptance

  • Your IRCTC SBI Platinum Card is a travel card and can be used in over 29 million Visa outlets worldwide & 3,25,000 outlets in India. Just look for the Visa sign of acceptance and present your card for the payment

More SBI Credit Card

How to check SBI IRCTC credit card application status

You can check IRCTC credit card status online by following below mentioned steps

  1. First visit SBI card official website
  2. Scroll down and find Track your application
Track IRCTC Credit Card Application Status

3. Enter your Reference number and hit Track button

SBI IRCTC credit card customer care

Contact IRCTC SBI credit card customer care if you are facing any problems.

Call: 0124-4589803
Twitter: @SBICard_Connect
Fax: 0124-2567131

SBI IRCTC Credit Card Review – Offers, Benefits, Eligibility​ & How To Apply
SBI IRCTC Credit Card Review – Offers, Benefits, Eligibility​ & How To Apply

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  1. k SUMER GOPALRAO June 13, 2019 at 1:18 pm