IRCTC SBI Platinum Card

The IRCTC SBI Platinum Card primarily works as a travel card and has been introduced by the State Bank of India in association with Indian Railway Catering and Tourism Corporation (IRCTC). The card provides its holders with multiple benefits, especially pertaining to railway ticket bookings wherein the card holders are offered discounts. The IRCTC SBI Platinum Card also provides offers on categories like fuel. 

The Indian Railway Catering and Tourism Corporation Limited was founded in 1999 and functions under the Ministry of Railways and therefore, is owned by the Government of India. It is the only corporation that has the approval to provide catering services to the Indian Railways, thus operating in railway stations across Ind

  • Sure Card
  • IRCTC SBI Platinum Card
Features Sure CardIRCTC SBI Platinum Card
EligibilityEveryone 18+People between the age group of 18 to 60. Both salaried and self-employed people. For salaried individuals, minimum income should be Rs. 20,000 per month. For self-employed people, minimum income should be Rs. 30,000 per month.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 590 (500 + 18% GST)
Annual FeesNILRs. 354 (Rs. 300 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of upto Rs. 3000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.1 reward point = Re. 1. 1 reward point for every Rs. 125 spent on retail purchases (except fuel) and railway ticket purchases from and the IRCTC App. 10% value back on buying tickets through the IRCTC website or mobile app for AC1,AC2,AC3 and AC CC. 350 activation bonus reward points on single transaction of Rs. 500 or more within 45 days of the card being issued.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless transaction
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IRCTC SBI Platinum Card vs. SURE Card

The IRCTC SBI Platinum Card helps the travelers save up on their tickets by offering 1% savings on transaction charges on railway ticket bookings from . It provides privileges exclusive to travel including airline ticket bookings via IRCTC. 

Therefore, the card can be of great use while booking tickets via airlines or railways. However, the benefits and privileges of the card are limited to the travel category only and therefore, can only be accrued to people who travel frequently.

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