SBI Card IRCTC Platinum
SBI Cards · Visa
Why this card?
- 4% back in reward points on travel at IRCTC; 0.8% on other spends
- ₹500 joining and annual fee
- 2 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- Visa
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- points
- Best Reward Rate
- 4% on travel at irctc
- Forex Markup
- 3.5%
- Domestic Lounge
- 2/yr
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
The SBI IRCTC Platinum is the go-to card for frequent Indian Railways travellers. It gives 10% value back as reward points on IRCTC AC-class tickets in two windows (15 Jan–31 Mar and 15 Jul–15 Sep) and 4% the rest of the year, along with a transaction charge waiver on irctc.co.in and an affordable ₹500 fee — a good-value travel card for the vast rail-travelling segment of India.
Pros
- Up to 10% value back on IRCTC AC-class tickets in the seasonal windows, 4% otherwise, with no cap
- 1% transaction charge waiver on irctc.co.in bookings
- Affordable ₹500/year fee
- Railway lounge access adds practical comfort — check the current visit count with SBI Card
Cons
- No airport lounge access — not useful for air travellers
- High 3.5% forex markup makes it unsuitable for international spending
- Rewards are paid as points rather than cash
- Base earn rate of 0.8% on non-IRCTC spend is weak