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SBI Card
VISA
IRCTC SBI Platinum

SBI Card IRCTC SBI Platinum

For Indian Railways travelers: 10% reward points on AC-class IRCTC bookings, 1% fee waived, and four railway-lounge visits yearly.

travel

Last reviewed 15 July 2026

Fees

Joining fee

₹500

Annual fee

₹300

Waiver: No spend-based waiver is offered — the ₹300 + GST renewal fee applies every year regardless of usage, which is unusual among SBI's mass-market cards.

Eligibility

Min. monthly income: ₹20,000

Min. CIBIL Score: 700+

Age: 21–70 yrs

Employment: salaried, self employed

Rewards

irctc rail10x points
all other0.8x points

Welcome benefits

  • • 350 bonus reward points (worth ~₹350) on card activation via a single transaction of ₹500 or more within 45–60 days of card issuance (sources vary on the exact window)
  • • ₹100 cashback on the first ATM cash withdrawal within 30 days of card issuance

Perks

  • ✓Domestic lounge access: 4/yrRailway lounge access only, at participating IRCTC-partner railway lounges — not airport lounges. Capped at 1 visit per quarter.
  • ✓Fuel surcharge waiver: 1%Capped at ₹100/month
  • ✓Forex markup: 3.5%
  • ✓1.8% transaction fee waiver on train ticket bookings made through irctc.co.in
  • ✓10% reward-point value back applies only to AC1, AC2, AC3, and AC Chair Car (CC) class train tickets booked via IRCTC; other ticket classes earn only the base 1 point per ₹125
  • ✓No reward points earned on fuel purchases
  • ✓Access to 5,000+ partner hotels across 350+ Indian cities via IRCTC travel packages
  • ✓Reward points are valid for 3 years from card issuance; 1 point = ₹1 on redemption

Common questions

What is the annual fee on the SBI Card IRCTC SBI Platinum?
The joining fee is ₹500. The annual fee is ₹300. No spend-based waiver is offered — the ₹300 + GST renewal fee applies every year regardless of usage, which is unusual among SBI's mass-market cards.
What are the reward rates on the SBI Card IRCTC SBI Platinum?
SBI Card IRCTC SBI Platinum earns 10x points on irctc rail, 0.8x points on all other spends.
Does the SBI Card IRCTC SBI Platinum offer airport lounge access?
Yes: 4 domestic lounge visits per year (Railway lounge access only, at participating IRCTC-partner railway lounges — not airport lounges. Capped at 1 visit per quarter.).
Who is eligible for the SBI Card IRCTC SBI Platinum?
Applicants typically need a minimum monthly income of ₹20,000, a CIBIL Score of 700+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
10x points
₹
0.8x points
Estimated annual value—
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