SBI IRCTC Platinum Credit Card: Get 10% Value Back on Railway Tickets

• The SBI IRCTC Platinum Credit Card is a travel credit card offered by the State Bank of India in partnership with the IRCTC.
• It offers a wide range of benefits, especially with railway ticket bookings with additional discounts.
• It also comes with other offers across other categories such as fuel.

Here are some of the benefits of the SBI IRCTC Platinum Credit Card:

• 10% value back as reward points on booking AC1, AC2, AC3, and AC CC tickets through IRCTC.
• 1% off on booking railway tickets through the IRCTC website.
• Offers on booking flight tickets through the IRCTC website.
• Waiver of 1% fuel surcharge across petrol pumps in India (for transactions amount Rs. 500-Rs. 3,000).
• Complimentary airport lounge access.
• Travel insurance.
• Purchase protection.
• Extended warranty.

The SBI IRCTC Platinum Credit Card is a great option for frequent travelers who want to earn rewards on their travel expenses.

It also offers a number of other benefits, such as complimentary airport lounge access and travel insurance. The annual fee for the card is Rs. 500, but it is waived for the first year.

Benefits

These are the benefits of the SBI IRCTC Platinum Credit Card in more detail:

• 10% value back as reward points on booking AC1, AC2, AC3, and AC CC tickets through IRCTC: This is a great benefit for frequent travelers who book railway tickets through IRCTC. You can earn reward points for every rupee you spend on your ticket, and these points can be redeemed for a variety of rewards, such as airfare, hotel stays, and gift cards.
• 1% off on booking railway tickets through the IRCTC website: This is another great benefit for frequent travelers who book railway tickets through the IRCTC website. You can save 1% on the cost of your ticket, which can add up over time.
• Offers on booking flight tickets through the IRCTC website: The SBI IRCTC Platinum Credit Card also offers, offers on booking flight tickets through the IRCTC website. These offers can vary, but they can save you a significant amount of money on your flight tickets.
• Waiver of 1% fuel surcharge across petrol pumps in India (for transactions amount Rs. 500-Rs. 3,000): This is a great benefit for frequent travelers who drive. You can save 1% on the fuel surcharge when you fill up your tank at participating petrol pumps in India.
• Complimentary airport lounge access: The SBI IRCTC Platinum Credit Card offers complimentary airport lounge access at select airports in India. This can save you a lot of time and hassle, especially if you are traveling during peak hours.
• Travel insurance: The SBI IRCTC Platinum Credit Card includes travel insurance that covers you for medical expenses, trip cancellation, and lost luggage. This can provide peace of mind when you are traveling, knowing that you are covered in case of an emergency.
• Purchase protection: The SBI IRCTC Platinum Credit Card also includes purchase protection that covers you for damage or theft of your purchases. This can help you get reimbursed if your new purchase is damaged or stolen within 90 days of purchase.
• Extended warranty: The SBI IRCTC Platinum Credit Card also includes an extended warranty that extends the manufacturer’s warranty on your purchases. This can give you peace of mind knowing that your new purchase is covered for a longer period of time.

Eligibility

The eligibility criteria for the SBI IRCTC Platinum Credit Card are as follows:

• A resident of India: You must be a resident of India to apply for the SBI IRCTC Platinum Credit Card.
• Minimum annual income of Rs. 3 lakhs: You must have a minimum annual income of Rs. 3 lakhs to apply for the SBI IRCTC Platinum Credit Card.
• Good credit history: You must have a good credit history to apply for the SBI IRCTC Platinum Credit Card.

If you meet these eligibility criteria, you can apply for the SBI IRCTC Platinum Credit Card online or by visiting an SBI Card branch.

Here are some of the documents you will need to apply for the SBI IRCTC Platinum Credit Card:

• Proof of identity: You will need to provide valid proof of identity, such as a passport, driver’s license, or voter ID card.
• Proof of address: You will need to provide valid proof of address, such as a utility bill or bank statement.
• Income proof: You will need to provide proof of your income, such as a salary slip or tax return.

Application Process

Here are the steps on how to apply for the SBI IRCTC Platinum Credit Card:

1. Visit the SBI Card website or the IRCTC website.
2. Click on the “Apply Now” button.
3. Enter your personal information, such as your name, address, and contact details.
4. Provide your income and employment information.
5. Upload the required documents.
6. Submit your application.

The SBI Card will review your application and will let you know the status of your application within a few days. If your application is approved, you will receive your credit card in the mail within a few weeks.

Here are some of the documents you will need to upload when you apply for the SBI IRCTC Platinum Credit Card:

• Proof of identity: You will need to provide valid proof of identity, such as a passport, driver’s license, or voter ID card.
• Proof of address: You will need to provide valid proof of address, such as a utility bill or bank statement.
• Income proof: You will need to provide proof of your income, such as a salary slip or tax return.

Annual Fee

The annual fee for the SBI IRCTC Platinum Credit Card is Rs. 500. However, the annual fee is waived for the first year. After the first year, the annual fee will be charged unless you meet the minimum spending requirements. The minimum spending requirement to waive the annual fee is Rs. 2 lakhs in a year.

Here are some of the benefits of waiving the annual fee:

• You will save Rs. 500 per year.
• You will have a longer credit history, which can help you improve your credit score.
• You will be more likely to be approved for other credit cards in the future.

If you are considering applying for the SBI IRCTC Platinum Credit Card, I recommend that you try to meet the minimum spending requirement to waive the annual fee. This will save you money in the long run and will help you improve your credit score.

Rewards

The SBI IRCTC Platinum Credit Card offers a rewards program called SBI Advantage Plus. You earn reward points for every rupee you spend on the card.

The number of points you earn depends on the category of the purchase. For example, you earn 2 points for every rupee you spend on railway tickets booked through IRCTC, and 1 point for every rupee you spend on other purchases.

You can redeem your reward points for a variety of rewards, such as airfare, hotel stays, and gift cards. You can also redeem your reward points for cashback.

The SBI Advantage Plus rewards program is a great way to earn rewards for your everyday spending. You can redeem your reward points for a variety of rewards that you will enjoy.

Here are some of the benefits of the SBI Advantage Plus rewards program:

• You earn reward points for every rupee you spend.
• You can redeem your reward points for a variety of rewards.
• The rewards program is easy to use.
• The rewards program is free to join.

If you are looking for a rewards credit card, I recommend the SBI IRCTC Platinum Credit Card. It offers a great rewards program and a number of other benefits.

Frequently Asked Questions (FAQs) About SBI IRCTC Platinum Credit Card

Conclusion

The SBI IRCTC Platinum Credit Card is a great option for frequent travelers. It offers a wide range of benefits, including 10% value back on railway ticket bookings, 1% off on fuel, and complimentary airport lounge access. The annual fee is also waived for the first year.

If you are a frequent traveler who is looking for a credit card that offers great benefits, I recommend the SBI IRCTC Platinum Credit Card. It is a great way to save money on your travel expenses and earn rewards for your everyday spending.

Here are some of the key points to remember about the SBI IRCTC Platinum Credit Card:

• It offers a wide range of benefits, including 10% value back on railway ticket bookings, 1% off on fuel, and complimentary airport lounge access.
• The annual fee is waived for the first year.
• The eligibility criteria include being a resident of India with a minimum annual income of Rs. 3 lakhs and a good credit history.
• You can apply for the card online or by visiting a SBI Card branch.

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