IRCTC SBI Platinum Card – Benefits, Fees & Eligibility

Introduction

The IRCTC SBI Platinum Card, issued by SBI Card, is a travel-centric credit card designed for frequent railway travelers. It offers significant value back on IRCTC ticket bookings, complimentary railway lounge access, and a fuel surcharge waiver, making it a rewarding option for those who frequently use Indian Railways.

Welcome Benefits

• Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.
• Bonus Reward Points will be credited within 45 days of the eligible transaction.
• Fuel and Cash spending are not included for this benefit.
• 1 Reward Point = Re. 1.

Fees

• Joining Fee: Rs. 500 + taxes
• Renewal Fee (per annum): Rs. 500 + taxes
• Add-on Fee (per annum): Nil
• Fuel Surcharge: 1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000, with a maximum waiver of Rs. 100 per statement cycle, per credit card account.
• Railway Ticket Cancellation Charge: A charge of 1% of the total refund amount will be debited to your card in case of railway ticket cancellation.
• Taxes: All applicable taxes would be charged on all fees, interest, and charges.

Rewards

• Value Back Benefits:
  • Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
  • Reward Points on IRCTC bookings are calculated on the Booking base fare, including the Primary Cardholder’s fare and all co-travellers’ fares.
• General Reward Benefits:
  • 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only).
  • Reward Points accrued in a customer’s SBI Card account will not get credited to his/her IRCTC loyalty account if the status of the loyalty account is blocked, inactive, or suspended.
• Milestone Benefits:
  • 500 Reward Points on payment and realization of renewal fee.
• Travel Offers from IRCTC:
  • Book airline tickets with IRCTC at unbeatable prices.
  • Get a wide range of tailor-made packages ranging from adventure, wildlife, pilgrimage, and leisure tours to various places in India.
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
  • Waiver of 1% Transaction Charges on booking of railway tickets through www.irctc.co.in will be reviewed & credited as per the updated Merchant ID / Terminal ID list on a monthly basis (applicable only on bookings made at www.irctc.co.in and not through any IRCTC partner website).
• Railway Lounge Program:
  • 4 complimentary railway lounge access in a year in India (maximum 1 per quarter).
  • Complimentary access to railway lounges will be applicable only for primary cardholders.

Rewards Redemption Guide

• Reward Points will be transferred to the IRCTC Loyalty A/c.
• Points can be redeemed at the IRCTC Website or Mobile App (Android only).
• 1 Reward Point = Re. 1.

Important Product Details

• Contactless Advantage:
  • Tap & Pay with Ease for effortless everyday payments by simply tapping the card on a secure reader.
  • Fast & Convenient for small, everyday payments in seconds, without needing to hand over the card or fumble for cash.
  • Secure Transactions as the card stays in hand, reducing the risk of loss or fraud. Visa PayWave’s unique security key ensures that only one transaction is processed even if the card is tapped multiple times.
• Global Acceptance:
  • Accepted at over 24 million outlets globally, including 3,25,000 in India.
  • Look for the Visa sign of acceptance to use the card for payments.
• Cash on the Go:
  • Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India.
• Flexipay EMI:
  • Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs.

Other Details

• Cheques payable outside clearing zones are not accepted; only local cheques or drafts payable in Delhi are accepted for payment.
• The value proposition of the co-brand product may be funded jointly by SBI Card and the co-brand partner (IRCTC) based on their financial arrangement, which may include fee and revenue sharing.
• Continued use of the card will be deemed acceptance of any amendments in the Terms and Conditions.
• For assistance, customers can call the SBI Card Helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Any disputes arising out of the Offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL. The arbitration proceedings will be conducted as per the provisions of the Arbitration and Conciliation Act, 1996, in New Delhi, and the language of arbitration shall be English.
• SBICPSL may engage agents and/or third parties for marketing, sales, or other related services for its products.