Key Takeaways

Cardholders earn up to 10% cashback on base railway ticket fare as reward points through IRCTC bookings.
The card offers 4 complimentary lounge visits per year at major railway stations in Delhi, Agra, Jaipur, and Ahmedabad, with limits per quarter.
Users save 1% transaction charges on IRCTC bookings and enjoy fuel surcharge waivers between ₹500-₹3,000.

Have you ever wished your railway travels could reward you better? Smart travellers know that the right credit card transforms expenses into benefits. The IRCTC SBI Platinum card does exactly that for every journey. This specialised card turns your railway bookings into valuable reward points.

A railway co-branded credit card works like a loyalty passport. It combines banking services with exclusive travel benefits and rewards. Just as a frequent flyer card rewards air travel consistently, this card rewards railway journeys with points and savings.

I booked my family’s holiday tickets to Goa last month using the card. The IRCTC SBI card benefits gave me 10% value back instantly. I also saved 1% on transaction charges during the booking. My reward points accumulated quickly with each railway ticket purchase. These points helped me book my next journey at a lower cost.

This blog explores everything about the IRCTC SBI Platinum Card comprehensively.

Key Benefits of SBI IRCTC Credit Card

The IRCTC SBI Platinum card offers multiple advantages for frequent travellers. These benefits help cardholders save money on every railway journey. The IRCTC SBI card benefits extend beyond simple transactions and payments. Users enjoy rewards, savings, and exclusive travel privileges throughout the year.

Benefit Category	Details	Value
Reward Points
Welcome Gift	Cardholders receive 350 activation bonus reward points instantly.	Single transaction of ₹500 or more required within 60 days
Milestone Rewards	The card offers 500 reward points on renewal fee payment.	Annual benefit
Railway Ticket Rewards	Users earn 1 reward point for every ₹125 spent.	Applies to non-fuel retail purchases and railway tickets
Value Back	Buy railway tickets and earn up to 10% value back.	Valid for AC1, AC2, AC3, Executive Chair Car bookings
Cashback Offers
Transaction Fee Waiver	Save 1% transaction charges on railway ticket bookings online.
Fuel Surcharge Waiver	The IRCTC SBI card premier waives 1% fuel surcharge completely.	Valid on transactions between ₹500-₹3,000
Travel Benefits
Railway Lounge Access	Cardholders enjoy 4 complimentary railway lounge visits per year.	Maximum 1 access per quarter available
Global Acceptance	The card works at over 29 million Visa outlets worldwide.	Also accepted at 3,25,000 outlets across India
Cash Withdrawal	Users can withdraw cash from over 1 million Visa ATMs.	Includes 18,000 Visa ATMs in India
Other Benefits
Balance Transfer	Transfer outstanding balances from other cards at lower interest rates.	Pay back conveniently in easy monthly instalments
Flexipay Option	Convert purchases of ₹2,500 or more into easy monthly instalments.	Request within 30 days of making the purchase
Add-on Cards	Family members above 18 can get add-on cards easily.	Available for spouse, parents, siblings, and children

The IRCTC SBI Platinum card delivers real value to regular train travellers. These comprehensive IRCTC SBI card benefits make every journey more rewarding.

Eligibility Criteria & Required Documents for SBI IRCTC Credit Card

Banks assess your profile through multiple parameters before card approval. The IRCTC SBI card premier follows certain basic eligibility requirements. All applicants must meet these fundamental criteria for a successful application.

The basic eligibility requirements for the SBI IRCTC credit card are:

Applicants must be at least 21 years of age
The maximum age limit stands at 70 years only
Candidates should be salaried employees or self-employed professionals
Applicants need a regular source of income for approval
A good credit score improves your chances significantly

These criteria help banks determine your creditworthiness and repayment capacity.

The required documents for the SBI IRCTC credit card are:

You must submit your PAN Card as mandatory proof.
Provide a copy of your Aadhaar Card with details masked.
Any valid government-issued address proof works as an alternative option.
Income documents like salary slips may be needed for verification.
Banks may ask for income tax returns, depending on policies.

Keep these documents ready to speed up your application journey.

Conclusion

The IRCTC SBI Platinum card stands as an excellent choice for travellers. It combines rewards, savings, and convenience in one powerful card. The IRCTC SBI card benefits truly enhance your travel experience significantly. Apply today if you meet the eligibility criteria perfectly.

Bonus Tip: Destroy the PIN mailer after memorising your PIN to keep your SBI Card PIN completely safe.

FAQs

Q1. Does the card provide SBI IRCTC credit card benefits lounge access?

Yes, the card offers 4 complimentary railway lounge visits annually. Cardholders can access participating railway lounges across India conveniently.

Q. What are the benefits of an SBI IRCTC card?

The card offers railway lounge access four times per year. Users can save 1% transaction charges on railway ticket bookings. Cardholders earn reward points on purchases and railway ticket bookings. The card also provides fuel surcharge waivers at petrol pumps.

Q. Why should we use the IRCTC SBI card?

The card helps frequent railway travellers earn rewards on bookings. Users receive up to 10% value back on railway tickets. The card waives transaction fees, making railway bookings more affordable. However, reward points apply only to the primary customer’s fare.

Q. What cashback does the SBI IRCTC card offer?

Cardholders earn up to 10% cashback on IRCTC ticket bookings. The card gives 10% cashback on the base ticket fare only. Users receive this cashback in the form of reward points. These points can be redeemed when you book railway tickets.

Q. Does the card provide railway lounge access benefits?

Yes, cardholders can access railway lounges at major stations nationwide. Users mention that Delhi, Jaipur, and Ahmedabad are regular stops. The SBI IRCTC credit card benefits airport lounge access, are not available. Only railway lounge access comes with this particular card.

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