IRCTC SBI Platinum Card

Renewal fee

₹500 a year.

Joining fee

₹500 to join.

Add-on card fee

₹0

Welcome benefit

Get 350 activation bonus Reward Points on a single transaction of ₹500 or more within 60 days of card issuance

Reward rate

1 Reward point per ₹125 · everyday spends1 Reward point for every ₹125 spent on non-fuel retail purchases.

Travel earning

Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car

Reward exclusions

Bonus Reward Points will be credited within 45 days of eligible transaction; Fuel and Cash spending are not included

What one reward unit is worthCatalogue redemption

1 Reward Point = Re. 1.

Points transfer redemption

Reward Points will be transferred to IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (Android only); they will not get credited if the status of the loyalty account is blocked, inactive or suspended

Redeeming points for travel

Redeem all your Reward Points on www.irctc.co.in against railway ticket purchase (s)

Point expiry

Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

Lounge benefit

4 complimentary railway lounge access in a year in India (max. 1 per quarter); complimentary access applicable only for primary cardholders

Hotel or travel programme

Save 1% transaction charges (exclusive of GST & all other charges) every time you book your railway tickets online on www.irctc.co.in with your IRCTC SBI Platinum Card

Renewal benefit

500 Reward Points on payment and realization of renewal fee.

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of ₹500 to ₹3,000.

Balance transfer terms

Balance Transfer Offer allows the customer to transfer other Bank credit cards' outstanding to SBI Credit Card; a one-time Processing Fee is charged over and above the ROI.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs; applicable on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash withdrawal limit

Cash Limit is assigned based on internal SBICPSL credit criteria (Add-On cardholders share the same limits as that of the Primary Account Holder)

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

What the card's fee or benefit year means

Annual Fee ₹500 + taxes; Renewal Fee ₹500 + taxes from second year onwards

Fuel transaction fee

1% fuel surcharge waiver on transactions of ₹500 to ₹3,000; Maximum waiver of ₹100 per statement cycle, per credit card account

Rent transaction fee

₹199

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

Integrated Tax @ 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

Minimum Amount Due (MAD) calculation shall be 100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of Finance Charges + Overlimit Amount (if any) + 2% of Remaining Balance Outstanding or ₹200 (whichever if greater)

Minimum age

Minimum 21 years