IRCTC SBI Platinum Credit Card

Note: 

1. To redeem your Reward Points on IRCTC Website and Mobile App, link the IRCTC SBI Card loyalty number with your IRCTC login ID. 

1. Effective from 1 April 2021, Reward Points will be transferred to the cardholder’s IRCTC Loyalty Account and can be redeemed on the IRCTC website or mobile app (Android only). 

Features of IRCTC SBI Platinum Credit Card

The features of IRCTC SBI Platinum card are as follows:

Eligibility criteria for IRCTC SBI Platinum Credit Card

The eligibility criteria for IRCTC SBI Platinum credit card are as follows:

You must be between 21 years to 70 years of age

1. You must either be a salaried employee or self-employed.
2. You must have a good credit score and a regular source of income.

Documents required for IRCTC SBI Platinum Credit Card

The documents required for IRCTC SBI Platinum Credit Card are as follows:

1. PAN card 

1. Valid government address proof or Aadhaar card with first 8-digits masked 

1. Salary slip 

1. Income tax Return 

KYC (Know Your Customer) documents required are listed below: 

1. Passport 

1. Voter ID 

1. Driving license 

1. Duly signed NREGRA card by state government officer. 

1. Letter issued by the National Population Register 

How to Apply for IRCTC SBI Platinum Credit Card Online?

Follow the steps mentioned below to apply for IRCTC SBI Platinum credit card:

Step 1: Visit the official website of SBI Cards.

Step 2: Choose the card you wish to apply for and click on the 'Apply now' button.

Step 3: Fill up the required details and submit the application.

If your application is approved, you will receive a call from the SBI card team for verification purposes.

BankBazaar offers on IRCTC SBI Platinum Credit Card

1. You can save yourself from the hassles of applying for the card offline if you opt for the paperless and rapid application process on BankBazaar.
2. Additionally, you enjoy other benefits like checking your credit score, checking your eligibility for the credit card, an instant approval, etc.

Fees and Charges IRCTC SBI Platinum Credit Card

The fees and charges of  IRCTC SBI Platinum credit card are as follows:

Late Payment Charges

How to redeem reward points of IRCTC SBI Platinum credit card

Accrued rewards points can be redeemed by SBI customers using the following process explained below.

Step 1: Login into IRCTC using the registered username and password linked to your loyalty number.

Step 2: Choose the reward points option to pay for your new railway ticket at the payment gateway.

Step 3: Rewards redemption can be done only on confirmed or RAC railway tickets booked for 1st Class AC, Executive Chair Car, AC 2 Tier, AC 2 Tier, and AC Chair Car.

Step 4: Choose option ‘Redeem Loyalty points to pay for your travel ticket. 

Note: Reward points can also be redeemed at Rs.1/reward point.

Rules for Rewards Redemption

1. The reward points can be redeemed only against the total ticket fare, service charges levied by IRCTC included.
2. For individual passenger fares, the cardholder cannot redeem reward points.
3. For more than one passenger, one has to redeem points equivalent to total fare. Part payment cannot be made for such transactions.
4. In case you fall short of reward points, you can purchase them at Rs.1.50/reward point (plus taxes).
5. If you cancel the redeemed tickets, only reward points would be credited back (SBI Reward Points, SBI Travel Reward Points, and Purchase Points) and not cash.
6. The reward points will expire two years after the lapse of IRCTC Loyalty Membership. 

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