IRCTC SBI Platinum Card
Last Updated : Nov. 1, 2023, 11:48 a.m.
IRCTC SBI Platinum Card is an exclusive credit card designed to enhance your travel experience. This card offers a range of benefits and features that cater to the needs of frequent travelers. From reward points on every transaction to discounts on train tickets and exclusive lounge access, this card has it all. With its unparalleled privileges and benefits, the IRCTC SBI Platinum Card is a must-have for anyone who loves to travel in style. So, let’s explore the world of benefits that this card has to offer.
IRCTC SBI Platinum Card Offers April 2024
| Features | Description |
|---|---|
| Welcome Gift | 350 activation bonus |
| Value Back Benefits | 10% Value Back Points |
| Reward Benefits | 1 Reward point for every Rs. 125 |
| Travel Benefits | 1% off on railway bookings with irctc.co.in |
| Railway Lounge | Max 1 per quarter |
| Fuel Surcharge Waiver | 1% fuel surcharge |
| Transaction Charges Waiver | Waiver of 1% Transaction Charges on booking of railway tickets through www.irctc.co.in |
| Visa Benefits | Travel, golf, dining and other entertainment options from Visa |
| Flexipay | Just transact for Rs. 2,500 or more and convert it into EMIs |
Joining & Annual Fees and Other Charges
- Joining Fee:₹ 500 (one-time)
- Annual Fee:₹300 (per annum)
| Types of Fees | Amount (In ₹) |
|---|---|
| Card Replacement | 100-250 |
| Rewards Redemption Fee | 99 |
| Payment Dishonor | 500 |
| Over Limit Fees | 600 |
| Finance Charges | 3.50% per month |
| Cash Payment fee | 250 |
| Cash Advance Fees | 500 |
| Foreign Currency Transaction fee | 3.5%(For All Cards Except Elite & Aurum) |
| Processing Fee on all Rent Payment Transactions | 199 |
| Balance Transfer | 1.7% per month (for 180 days tenure) |
Late Fees Payment
| Outstanding Amount | Charges |
|---|---|
| For the amount between ₹ 0 to ₹500 | NIL |
| Exceeding ₹500 and up to ₹1,000 | ₹400 |
| Exceeding ₹1,000 and up to ₹10,000 | ₹750 |
| Exceeding ₹10,000 and up to ₹25,000 | ₹950 |
| Exceeding ₹25,000 and up to ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
IRCTC SBI Platinum Card Eligibility Criteria
Know the eligibility criteria of IRCTC SBI Platinum Card by reading the points below.
- An applicant should be an Indian resident
- He/she should not be less than 21 years of age and should not be more than 58 years.
- An applicant should have a good credit score and should not be a previous loan/credit card defaulter.
Documentation Checklist Needed
For your reference, below are the important documents you need to carry while applying for the card.
- Proof of Identity – PAN Card/Aadhaar Card/Voter ID/Driving License/Passport
- Proof of Address – Aadhaar Card/Voter ID/Driving License/Passport/Utility Bills
- PAN Card
- ITR or salary slips for the last 2 months
- Passport sized photographs
Apply Online
You can easily apply for the card at Wishfin, an online marketplace for credit cards, loan and other financial products. All you need to do is to share a few personal and professional details. The executives, post receiving your application, will talk to you and forward your application to SBI after getting your consent. SBI will then verify the details and give a nod only when the verification is successful.
There are three modes – Application Form, Chat and WhatsApp – by which you can apply for this SBI card at Wishfin. Of the modes, WhatsApp application is something very unique and seamless at the same time. All you need to do is to enter your mobile number and click on Continue with WhatsApp. You will get added to a 2-member group with Wishfin the other one. You need to provide a few details for the application to be submitted to SBI for further processing.
