As a Milestone Benefit, avail up to Rs. 1200 cashback annually - 1% Cashback upon spending Rs.10,000 every month (Non-EMI, Non-Wallet and Non-Rental Spends)
The First Year Fee will get waived upon spending Rs. 30,000 (Non-EMI spends) within the first 90 days. The Renewal Year Fee will get waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months period. Monthly fee will get waived off on retail spends of Rs. 5000 in a month (Non-EMI spends)
Avail 3% Cashback on purchases on Paytm [Recharge + Utility + Movies + Mini App]
Avail 2% Cashback on all other Select Paytm Spends
Avail 1% Cashback on all other Retail Spends
Enjoy up to 50 days of interest-free period
Avail up to 4 complimentary add-on cards
Zero Lost card liability
Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. Rs. 5,000
Enjoy up to 20% discount on partnered restaurants via Dineout
Buy tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, Executive Chair car and Chair Car and earn up to 10% Value Back as Reward Points
Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in. Log on to irctc.co.in and avail exclusive travel privileges, book airline tickets with IRCTC at unbeatable prices. Avail wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at over 5,000 hotels, covering 350 cities in India
4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
1% fuel surcharge across all petrol pumps in India, on transactions between Rs. 500 - Rs. 3,000, exclusive of GST and other charge
Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card
IRCTC SBI Platinum Card provides great offers on travel, golf, dining and other entertainment options from Visa
Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India
With Flexipay, convert the transactions in easy monthly installments. Simply transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
Transfer the outstanding balance of your other bank’s credit card to IRCTC SBI Platinum Card, and avail a lower rate of interest and pay back in EMIs
Use IRCTC SBI Platinum Card to book railway tickets online and get them delivered to your doorstep
Editor's Review
Pros
The card is most useful for those who use Paytm daily users of Paytm
Decent cashback and offers on spends made with Paytm
Enjoy up to 20% discount on partnered restaurants via Dineout
Cons
No airport lounge access
No rewards as such
The cashback obtained on transactions other than the eligible category is relatively low at 1%
Pros
Enjoy 4 complimentary railway lounge access in a year to participating lounges in India (Max 1 per quarter)
1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charge
Save 1% transaction charges, exclusive of GST and all other charges, when booking railway tickets on irctc.co.in, using IRCTC SBI Platinum Card
Cons
Interest rate charges are bit high
While the IRCTC SBI Platinum Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points
More comparisions with Paytm HDFC Bank Credit Card