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Credit Cards · India

IRCTC SBI Platinum Card

Updated 5 Jul 2026Source-linked

The IRCTC SBI Platinum Card is a entry co-branded credit card from SBI Card and IRCTC, with a joining fee of ₹500 + GST.

It earns up to 10 pts per ₹125 (≈8.0% value) on IRCTC spends in the form of reward points (points).

Cardholders get 4 annual domestic airport lounge access, plus 350 activation bonus reward points as a welcome benefit.

SBI Card logo
IRCTC SBI Platinum Card
Visa logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForLifestyle & travel
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹125 on irctc rail bookings
  • Base 0.76% on other spends
Welcome Benefits
  • 350 activation bonus Reward Points
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
10 pts per ₹125 on irctc rail bookings
Base 0.76% on other spends.
Reward Redemption
IRCTC AC-class fare: Rs1/pt against AC-class IRCTC rail fare only (link to IRCTC ID); closed-loop, no cash.
Welcome Benefits
350 activation bonus Reward Points
Milestone Rewards
  • ₹0 / annual: 500 Reward Points on payment of renewal fee
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Travel offers from IRCTC — Discounted airline tickets and tailor-made holiday packages via IRCTC.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.8% = ₹120/mo
  • Groceries₹8,000 · 0.8% = ₹64/mo
  • Dining & food delivery₹8,000 · 0.8% = ₹64/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.8% = ₹80/mo

    Travel & hotels — earns base; accelerated rate needs booking via irctc-direct

  • Utilities & bills₹5,000 · 0.8% = ₹40/mo
Est.net rewards for this spend, realistic
₹3,916/yr

₹4,416 rewards − ₹500 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by SBI Card and IRCTC.
  • Joining / annual fee of ₹500 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (4/annual).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈8.0% on irctc rail bookings.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • Rewards redeemable only with IRCTC AC-class fare.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹350 welcome benefit

  • 350 activation bonus Reward Points
    Single transaction of Rs.500 or more within 60 days of card issuance
    Window: 60 days from issuance.

Accelerated rewards

  • 10 pts per ₹125 on irctc rail bookings
    Merchants: irctc
    Up to 10% value back (as reward points) on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC app and website.
Capping rules
  • No monthly/annual cap on IRCTC value-back documented in the SBI Card IRCTC Platinum FAQ (retrieved 2026-07-05); earn structure stated with no capping clause.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel

Milestone benefits

  • ₹0 / annual: 500 Reward Points on payment of renewal fee (≈ ₹500 value)

Airport lounge access

Domestic
4 visit(s) / annual. Via issuer-direct.
Complimentary railway lounge access (not airport lounges); max 1 per quarter, primary cardholder only.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement.

Other benefits

  • Travel offers from IRCTC. Discounted airline tickets and tailor-made holiday packages via IRCTC.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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