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IRCTC SBI Platinum Card: 5 Unmatched Benefits Of Using It


The SBI Railway Card is a unique credit card brought to you by SBI Card and Indian Railways through IRCTC. SBI Card gives you the power to get free railway tickets and helps you get better value for your money.


To avail the benefits the cardholder necessarily must be one of the passengers on the ticket. Also, note that reward points will be awarded only on cardholder's individual fare.

IRCTC SBI Platinum Card: 5 Unmatched Benefits Of Using It

The annual fee on the card is Rs 500 which is one time fee and renewal fee is Rs 300 per annum.

Here are some of its unmatched benefits:

1) Cash back

Individuals will get 10% on base fare as Railway Points, on AC class (except 3 AC) railway tickets through your complimentary membership to Shubh Yatra - the Frequent Traveller Programme of Indian Railways.

2) No transaction fee on your fuel

Your card offers you a tank full of advantages. Just use SBI card to purchase fuels and other lubricants for amounts exceeding Rs 400 up to Rs 2000, each time, at designated IndianOil & IBP petrol pumps and save transaction fee.


3) 0% transaction charge

There is a benefit from an exclusive 1.8% transaction charge waiver on your Credit Card transactions at

4) Rs 10 Lakh free insurance

The card holder will get a complimentary personal accident insurance cover of Rs 10 lac in the event of loss of life resulting from a train accident, while traveling on a valid ticket

5) Earn FREE tickets

Individuals can shop, dine, travel on your SBI Railway Card and earn 1 Railway Point for every Rs 125 of retail spends.

6) Activation Bonus

The cardholder will get 350 activation bonus reward points on spending Rs 500 or more within 45 days of card issuance.


The cardholder can start redeeming the reward points on accrual of minimum 500 points earned through travel on tickets purchased at or 500 reward points earned through non-fuel retail spends on the card.

Read more about: sbi irctc credit card banking
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