IRCTC SBI Card (Platinum)
Best for frequent IRCTC train bookers. Up to 10% value-back as RP on AC1, AC2, AC3, AC CC bookings on IRCTC; 1 RP per Rs 125 elsewhere. 1 RP = Rs 1
Terms as of 2026-08-19 · Checked 30 September 2026IRCTC SBI Card (Platinum) at a glance
Who it suits: Frequent IRCTC train bookers
Rewards & cashback
| Details | |
|---|---|
| How you earn | Up to 10% value-back as RP on AC1, AC2, AC3, AC CC bookings on IRCTC; 1 RP per Rs 125 elsewhere. 1 RP = Rs 1 |
| Welcome benefit | 350 RP on activation |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹960 | ₹370 |
| ₹3,00,000 / year | ₹2,400 | ₹1,810 |
| ₹6,00,000 / year | ₹4,800 | ₹4,210 |
| ₹12,00,000 / year | ₹9,600 | ₹9,010 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 4 complimentary railway lounge visits/yr |
| Fuel surcharge | 1% fuel surcharge waiver, max Rs 100/month; 1% railway transaction charge waiver on IRCTC |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | — |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-70 (per card pages) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the IRCTC SBI Card (Platinum)?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST).
What rewards does it offer?
Up to 10% value-back as RP on AC1, AC2, AC3, AC CC bookings on IRCTC; 1 RP per Rs 125 elsewhere. 1 RP = Rs 1
Does it give airport lounge access?
4 complimentary railway lounge visits/yr
Is the IRCTC SBI Card (Platinum) good for me?
Best for: Frequent IRCTC train bookers. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-08-19. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on SBI Card’s website before applying. FinancePortal is not affiliated with the issuer.