Apply IRCTC SBI Platinum Card – Benefits, Offers, Rewards, Features

Do you want to apply IRCTC SBI Platinum Card?. Then you are on the right page. In the previous article, we have given complete details about BPCL SBI Card. Through this article, We are going to provide IRCTC SBI Platinum Card details like Benefits, Features, Rewards, Offers. People who are applying for the IRCTC SBI Platinum Credit Card has to check the complete details like Eligibility, Required documents, Privileges, Welcome gifts, Rewards, Features, cashback offers, Lounge programs, and shopping offers given by the IRCTC SBI Platinum Credit Card.

Here, we have provided the image of IRCTC SBI Platinum Card. Also, you can check annual and late payment charges. We have also given a link to track your IRCTC SBI Platinum Credit Card application status.  Continue reading this article to get more details of IRCTC SBI Platinum Credit Card.

IRCTC SBI Platinum Card

About IRCTC SBI Platinum Credit Card

EventsInformation
Card NameIRCTC SBI Platinum Credit Card
BankSBI Bank
Card TypeCredit Card
Credit Usage LimitIt depends upon various factors like income, job & previous credit score of the cardholder.
Cash Usage LimitUsually 25% of the total Credit Limit.
Annual ChargesRs. 500/- + GST
Reward PointsBuy tickets through irctc.co.in for AC1, AC2. AC3 and AC CC & earn up to 10% Value back as Reward points. (1 Reward Point = Rs. 1/-)

Earn 1 Reward Point for every Rs. 125/- spent on retail purchases( non-fuel), including railway ticket purchases at irctc.co.in

International UsageYes
Official WebsiteClick here

This card offers multiple travel benefits to the users at a minimal annual fee. It offers value back benefits on booking tickets through IRCTC and 1.8% transaction charge is also waived off. This platinum credit card offered by SBI has several benefits like Cashback benefits, Travel offers, welcome Gift, etc., The age of the applicant must be in between 18 and 65 years.

Card NameIRCTC SBI Platinum Card
Age limit18 to 65 years
EligibilityExisting customer of SBI Bank only can apply for this card.

Eligibility Criteria

To apply for Credit Card, the applicant should have the following eligibility:

  • Applicant must be the existing customer of SBI Bank.
  • The age of the applicant should be in between 18 and 65 years.
  • Applicant should be a resident of India.
  • The card will be provided on the basis of income & credit score of the account holder.

Required Documents

You have to submit the following documents while applying for this card:

  • PAN Card
  • Identity proof(any one ) – Aadhar card, Ration Card, Voter card, Driving license.
  • Address proof(any one) – Utility Bills(telephone, electicity, etc.,), Aadhar card, Ration card.
  • Last three months salary slips, Latest six months Bank statements.

How to Apply IRCTC SBI Platinum Card – Application process

To apply IRCTC SBI Platinum Credit Card – Click here

Follow the below steps to apply for Card:

  • Get into the Official page of SBI – www.sbicard.com.
  • A home page will appear, here click on “Personal”>”Credit cards”>” All Cards”>”IRCTC SBI Platinum Card”.
  • A detailed page of IRCTC SBI Platinum Credit Card will open.
  • While scrolling down, “Apply now” option will appear.
  • Here fill the details like Name of the applicant, Mobile number, City & Email ID.
  • Once all the details were checked, Click on “I want to apply now” button.

Benefits/Privileges

  • Welcome Gift
  • Value back benefits
  • Travel offers from IRCTC
  • Fuel Surcharge Waiver

Features

  • Transaction Charges Waiver
  • Offers from Visa
  • Cash on the go
  • SBI Drop Box Locator
  • Global Acceptance
  • Empower your Family
  • Easy Bill Pay Facility
  • Balance Transfer on EMI
  • Flexipay
  • Easy Money Facility
  • Railway Ticket Booking
Limit

This Credit Card Limit is depended upon income & employment of credit cardholder. It is also based on the credit score of the customer. There is no fixed limit for IRCTC SBI Platinum Credit Card. To know about your IRCTC SBI Platinum Credit Card limit, Give a Missed call from your registered mobile number to 8422845512 and then an instant SMS will be sent on your mobile with the latest credit limit and outstanding amount.

Welcome Gift

Make a single transaction of Rs. 500 or more within 45 days of card issuance and get 350 activation bonus Reward Points. Fuel and Cash spend are not included. Earn Rs. 100 cash back on your 1st 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 retail purchases except for fuel, including railway ticket purchases at irctc.co.in. Link your IRCTC SBI Credit Card loyalty num. with your irctc.co.in login ID, to redeem your reward points.

Travel Offers from IRCTC

Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in. Login to irctc.co.in and avail exclusive travel Benefits. Book your airline tickets with IRCTC at unmatchable prices. Get a wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Get accommodation at over 5,000 hotels, covering 350 cities in India.

Fuel Surcharge Waiver

Get freedom from paying the 1% fuel surcharge across all petrol bunks in India, on transaction of Rs. 500 – Rs. 3,000, exclusive of GST & other charges. Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account.

Fee and Charges

ChargesAmount
Fees
  • Annual Fee (one time) is Rs.500/-
  • Renewal Fee (per annum): 300/-
  • Add-on Fee (per annum): Nil
Extended Credit
  • Interest free credit period is 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid totally.
  • Finance charges are up to 3.35% per month, 40.2% per annum from the withdrawal.
  • 5% of Total Outstanding Min. Rs.200 plus all applicable taxes + EMI based products + OVL amount.
Cash Advance
  • Cash advance limits up-to 80% of the credit limit, with a max. of Rs. 12,000/- per day.
  • Free credit period: Nil
  • Finance charges: Up to 3.35% per month & accounting to 40.2% per anum from the date of withdrawal
Cash Advance Fee
  • In SBI ATM’s or other domestic ATM’s: 2.5% of withdrawal, subject to a min. of Rs.300/-
  • International ATM’s are 3% of withdrawal amount, subject to a min. of Rs.300/-
Surcharges
  • Rs. 30 + 2.5% of transaction money for Railway tickets through counters.
  • 1.8% of transaction amount + applicable service charge, for Railway tickets through irctc.co.in
  • Fuel & all products/services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500/-and Rs. 3000/- exclusive of applicable taxes and all other charges. Maximum surcharge waiver of Rs. 100/statement cycle & per credit card accounts. 1% of transaction amount for transaction Amount Between Rs. 500/- to Rs. 3,000/-
  • Payment of customs duty is 2.25% of the transaction amount, minimum of Rs.75/-
Other charges
  • Cheque Fee: Rs. 100/- (Payments made via cheque up to Rs. 10,000/-)
  • Payment Dishonor fee is 2% of the payment amount, subject to a min. of Rs. 450/-
  • Statement retrieval program is Rs. 100/- per a statement, which is 2 or more months old
  • Late payment charge is NIL for Total Amount due from 0- 200 Rupees; Rs. 100 for the total Amount due above Rs. 200 & up to Rs. 500/-; Rs. 400 for the total Amount due above Rs. 500/- & up to Rs. 1000; Rs. 600 for the total Amount due above Rs. 1000 & up to Rs. 10,000;  Rs. 800 for the total Amount due above Rs. 10,000 & up to Rs. 25,000;  Rs. 950 for total charge due above Rs. 25,000.
  • Overlimit:  Overlimit amount of 2.5%, subject to a minimum of Rs. 500/-
  • Card replacement: Rs. 100/-
  • Card replacement, when abroad Actual cost is minimum $175
  • Foreign currency transaction: Conversion mark up: 3.50%
  • Card Payment fee: Rs.199/-
Track Application
  • To Track your SBI Credit Card application status – Click here
  • To Retrieve your Platinum Credit Card application status – Click here

IRCTC SBI Platinum Credit Card Review

By taking into consideration of customer’s reviews, we have given the Pro’s and Con’s of Credit Card below:

Pros

  • Travel offers and value back offers
  • Welcome Offers and SBI Card online
  • Features & Benefits

Cons

  • worst customer care service.
  • Annoying calls from SBI.

Contact Details

SBI Cards and Payment Services Private Limited

Unit 401 & 402, 04th Floor,

 Aggarwal Millennium Tower,

E-1,2,3 Netaji Subhash Place,

Wazirpur, New Delhi -110034

Tel: 0124-4589803

Hope you may get the complete information about IRCTC SBI Platinum Card like About IRCTC SBI Platinum Credit Card, Eligibility, Required Documents, How to IRCTC SBI Platinum Credit Card, Benefits, Privileges, Rewards, Fees & charges, Tracking application details and Contact details. Don’t forget to share this article with your friends.

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