आईआरसीटीसी एसबीआई प्लेटिनम कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Popular train travel credit card offering up to 10% value back on IRCTC AC tickets, 4 railway lounge visits, and 1% booking charge waiver for ₹500 fee.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
IRCTC SBI Platinum Card is India's most widely held railway credit card, offering budget-conscious families, government employees, and regular train passengers 10% value back on AC ticket bookings for a nominal annual fee of ₹500.
350 bonus Reward Points (worth ₹350) upon transaction of ₹500 or more within 45 days of card issuance.
4 complimentary Executive Railway Lounge visits per year (max 1 visit per quarter).
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹100 per statement cycle) + 1% IRCTC transaction charge waiver.
500 bonus Reward Points credited annually on paying the annual renewal fee.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried and self-employed individuals aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹2,40,000 per annum (Salaried) / ₹3,60,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Aadhaar Card 3. Recent salary slip or ITR copy.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
10% reward rate applies only to AC train tickets. Sleeper and second-class bookings earn only base rewards. Executive railway lounge access is limited to 1 visit per quarter.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select IRCTC SBI Platinum Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on IRCTC SBI Platinum Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on IRCTC SBI Platinum Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on IRCTC SBI Platinum Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 when redeemed for train tickets on irctc.co.in. Please note: Reward points expire 3 years from the date of accrual.
What is the interest-free grace period on IRCTC SBI Platinum Card and how does it work?
The interest-free period on IRCTC SBI Platinum Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.