IRCTC SBI Platinum Card

Charge

• Cash Advance Fee: 2.5% of transaction amount, subject to a minimum of ₹500 (domestic and international ATMs).
• Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum finance charge ₹25.
• Cash Payment Fee: ₹250 + applicable taxes.
• Cheque Payment Fee: ₹200.
• Payment Dishonor Fee: 2% of payment amount, minimum ₹500.
• Overlimit Fee: 2.5% of overlimit amount, minimum ₹600.
• Card Replacement Fee: ₹100 - ₹250.
• Dynamic Currency Conversion Fee: 3.5%.
• Late Payment Charges: Nil up to ₹100.
• ₹100 for >₹100 & up to ₹500.
• ₹500 for >₹500 & up to ₹1,000.
• ₹750 for >₹1,000 & up to ₹10,000.
• ₹950 for >₹10,000 & up to ₹25,000.
• ₹1,100 for >₹25,000 & up to ₹50,000.
• ₹1,300 for >₹50,000, plus additional ₹100 for missing MAD two consecutive cycles.
• Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total utility payments if total exceeds ₹50,000 in a billing cycle.
• Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on education payments via third-party apps.
• Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
• Processing Fee on Rent Payment Transactions: ₹199.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum) · 2026-08-01 · source

Interest-free period

Interest free credit period of 20 to 50 days, subject to submission of claims by the merchant (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum) · 2026-08-01 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver (excluding GST) on eligible transaction value at petrol pumps.
• Fuel surcharge is 1% of transaction amount + applicable taxes.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum) · 2026-08-01 · source

Redemption value

• Rewards Redemption Fee: ₹99 (applicable only on physical products, statement credit & vouchers sent physically; not for AURUM).
• Reward Points are valid for 24 months and expire on the last day of the 24th month if not redeemed.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum) · 2026-08-01 · source

Reward exclusion

Base 1 Reward Point per ₹125 is on non-fuel retail purchases (fuel excluded).

Verified · IRCTC SBI Platinum Card product page · 2026-08-01 · source

Travel benefit

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.

Verified · IRCTC SBI Platinum Card product page · 2026-08-01 · source

Official terms

https://www.sbicard.com/en/personal/offers/travel/irctc-sbi-platinum-card.page.

Verified · IRCTC SBI Platinum Card product page · 2026-08-01 · source