Which banks issue the IRCTC credit card?

Three banks. SBI Card: the Platinum card and the Premier card · HDFC Bank: IRCTC HDFC Bank credit card · BOBCARD: IRCTC BOBCARD, from Bank of Baroda. Each bank runs its own customer care.

What is the difference between IRCTC SBI Platinum and Premier?

Platinum: renewal fee Rs 500 plus taxes, 4 railway lounge visits a year (one a quarter) · Premier: renewal fee Rs 1,499 plus taxes, 8 railway lounge visits a year (two a quarter), 5% back on IRCTC air tickets and e-catering, and the fee is reversed on Rs 2 lakh of yearly spend.

IRCTC SBI Card

sbicard.com/en/personal/credit-cards/irctc-sbi-platinum-card.html

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Is IRCTC SBI Card down right now?

IRCTC SBI Card is working

Responding normally and no problems reported. If you still can't get on, it's likely your connection or app. Try the steps below.

Reports·1h: 0
Server: 200 OK
Response: 0.3s
Last checked: 5 hours ago

Answer: No IRCTC SBI Card issues reported in the last 24 hours, and it responded normally at our last check on 24 Oct 2026, 4:09 AM IST.

Report an issue

Our automated check runs from one or more locations and may miss in-app problems; reports come from users across India. We only call something "down" when users confirm it too. Here's how we check.

IRCTC credit card problem? Report it

Choose the closest match. IRCTC cardholders report here.

Last 24 hours: 0 reports.

About IRCTC SBI Card

The IRCTC SBI Card is the railway credit card from SBI Card and IRCTC, in two versions: IRCTC SBI Platinum and IRCTC SBI Card Premier. It gives reward points worth up to 10% on AC train tickets booked on the IRCTC website and app, plus railway lounge visits.

Two other banks issue an IRCTC credit card too: HDFC Bank and BOBCARD, the Bank of Baroda card company. Each card is serviced by its own issuer, so the helpline depends on which logo your card carries.

Compare with other reports If many IRCTC cardholders report together, SBI Card or IRCTC is down. If not, look at your card.
Enable online use Turn on online transactions for the card in the SBI Card app or on sbicard.com.
Check the fare against your limit A ticket costing more than the available limit is declined.
Use the OTP in time Keep the registered mobile in signal and type the OTP before it expires.

Other ways to access IRCTC SBI Card

Book with UPI or net banking If the card keeps failing on IRCTC, finish the booking with UPI or net banking so the seat is not lost.
Book at a PRS counter A railway reservation counter can issue the ticket while online booking is down.
Manage the card on sbicard.com If the SBI Card app will not open, log in on sbicard.com to block the card or check the limit.
See all IRCTC card helplines SBI Card, HDFC Bank and BOBCARD numbers are on our IRCTC credit card helpline page.

Official channels during an outage: X · Facebook · Instagram · LinkedIn · YouTube · Website

Questions

IRCTC cardholders log failures here, while we keep checking the SBI Card login live. Reports piling up together mean SBI Card is facing a technical issue. If only your payment fails, start with your own card.

A sudden rush of reports points to downtime at SBI Card, or at IRCTC's own booking site. Wait, then book again.

If only your card fails, check online use and the available limit in the SBI Card app, and enter the OTP before it lapses. Call 1800 180 1290 if the card is blocked.

Switch on online use for the card in the SBI Card app, check the limit covers the fare, and enter the OTP sent to your registered mobile. If the IRCTC payment page itself will not load, the problem is on the IRCTC side, not the card.

SBI Card does not pass reward points to an IRCTC loyalty account that is blocked, inactive or suspended. Check that your loyalty number is active and linked. Bonus points are credited within 45 days of the eligible transaction.

Three banks.

SBI Card: the Platinum card and the Premier card.
HDFC Bank: IRCTC HDFC Bank credit card.
BOBCARD: IRCTC BOBCARD, from Bank of Baroda.

Each bank runs its own customer care.

Platinum: renewal fee Rs 500 plus taxes, 4 railway lounge visits a year (one a quarter).
Premier: renewal fee Rs 1,499 plus taxes, 8 railway lounge visits a year (two a quarter), 5% back on IRCTC air tickets and e-catering, and the fee is reversed on Rs 2 lakh of yearly spend.

Yes. IRCTC SBI Platinum gives 4 visits a year and Premier gives 8, for the primary cardholder only. The IRCTC HDFC card gives 8 visits to select IRCTC executive lounges, and the IRCTC BOBCARD gives 4 at partner railway lounges.

IRCTC app ya website se AC1, AC2, AC3, Executive Chair Car aur Chair Car ticket lene par 10% tak value back reward points mein milta hai. Railway lounge visits aur petrol pump par 1% fuel surcharge waiver bhi milta hai.

Yes, tap download on the status card at the top to save a server down image showing IRCTC SBI Card's current status, the last checked time, and how many users are reporting problems.

Need to block your IRCTC SBI Card card or dispute a charge? See the verified IRCTC SBI Card credit card customer care and helpline numbers.

1800 180 1290

IRCTC SBI Card · Mon-Sat, 8 AM - 8 PM · 1860 500 1290

Full helpline