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IRCTC SBI Platinum Card
The essential credit card for train travelers — earn 10% value back on IRCTC bookings, get complimentary Railway Lounge access at major stations, and save on transaction fees.
Secure application on SBI Card's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for IRCTC SBI Platinum Card
Is It Worth It? (Quick Math)
Worth the fee! ✅
You gain ₹15,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
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Key Features
- Best card for frequent train travelers — 10% on IRCTC
- Railway lounge access — unique benefit few cards offer
- Zero transaction fee on IRCTC (normally ₹15-30/booking)
- SBI Card trust and acceptance
Rating Overview
Eligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
IRCTC SBI Platinum Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹30,000 in the best category to earn rewards equal to the ₹500 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Best card for frequent train travelers — 10% on IRCTC
- •Railway lounge access — unique benefit few cards offer
- •Zero transaction fee on IRCTC (normally ₹15-30/booking)
- •SBI Card trust and acceptance
Travel
- •Airport Lounge Access
- •Travel Insurance
Pros
- Best card for frequent train travelers — 10% on IRCTC
- Railway lounge access — unique benefit few cards offer
- Zero transaction fee on IRCTC (normally ₹15-30/booking)
- SBI Card trust and acceptance
Cons
- Annual fee of ₹500 (waivable on ₹50,000 spend)
- Benefits useless if you don't book trains on IRCTC
- Railway lounges available only at 8-10 major stations
- 10% value back capped at ₹1,000/month
Required Documents
Keep these documents ready before applying for IRCTC SBI Platinum Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹500 |
Annual Fee From second year onwards | ₹500 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the IRCTC SBI Platinum Card today and start earning rewards on every spend.
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