The SBI IRCTC Credit Card is a travel credit card that IRCTC provides. The card offers users some travel benefits for a small yearly fee. In addition to receiving substantial value-back when purchasing tickets through IRCTC, cardholders can also take advantage of other perks, including access to the railway lounge and the reduction of transaction fees when purchasing tickets. On other retail purchases, cardholders also receive basic incentives. If you’ve been searching for a low-cost credit card and travel by rail within India a lot, the IRCTC SBI Platinum Card can be an excellent choice.

SBI Credit Card also provides the IRCTC SBI Premier Card, an upgraded version of this card, at a higher annual charge of Rs. 1,499. The Premier Card offers more extensive savings opportunities for travellers willing to pay a higher annual fee.

Benefits of the IRCTC SBI Platinum Card for Travel

This credit card provides the following travel benefits: accelerated rewards, remission of transaction fees, and access to railway lounges:

• When purchasing AC1, AC2, AC3, and AC Chair Car tickets through the IRCTC website, you can receive 10% value-back in reward points.
• 1% transaction fee waiver for purchasing train tickets. 
• Access to four free railway lounges per year. 

In the form of reward points, cardholders will receive value-back that they may subsequently use directly on the IRCTC website or mobile app (available on Android only). The IRCTC SBI Card Loyalty Number and the IRCTC Login ID must be linked to redeem the reward points.

Notably, reservations for hotels, flights, and vacation packages can also be made using the IRCTC Platform. Nevertheless, this card can only be used to book rail tickets and offers expedited reward points and transaction charge waivers.