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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 10% value back on IRCTC
Earn 10% value back as Reward Points on AC1, AC2, AC3, and AC CC train ticket purchases made at irctc.co.in. Earn 1 Reward Point for every ₹125 spent on other non-fuel retail purchases. 1 Reward Point = ₹1.
Redeem for
The privileges that come bundled in, beyond the reward points.
1% transaction fee waiver on train ticket bookings made through the IRCTC website and mobile app
Available on the RuPay network, allowing seamless linking to UPI apps (GPay
PhonePe
Paytm) for everyday merchant payments
1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3,000 (capped at ₹100 per billing cycle)
An honest read on where this card earns its keep — and where it doesn't.
Excellent 10% value back (1 RP = ₹1) on AC class train tickets
Low annual fee of ₹500 that is easily offset by the welcome bonus
Saves an additional 1% on IRCTC payment gateway transaction fees
RuPay variant allows for convenient UPI payments
Rewards are strictly limited to IRCTC ticket redemptions
Low reward rate (0.8%) on general everyday spending
No complimentary airport or railway lounge access on this base variant
10% value back is restricted to AC classes only (no accelerated rewards on Sleeper class)
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI Irctc Platinum Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about SBI Irctc Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI Irctc Platinum Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "350 activation bonus Reward Points on a single transaction of ₹500 or more within 45 days of card issuance.".
SBI Irctc Platinum Credit Card earns Reward Points at a primary rate of Up to 10% value back on IRCTC. Specifically, Earn 10% value back as Reward Points on AC1, AC2, AC3, and AC CC train ticket purchases made at irctc.co.in. Earn 1 Reward Point for every ₹125 spent on other non-fuel retail purchases. 1 Reward Point = ₹1.. Spends in Entry Level, Travel categories provide the maximum valueback per transaction on this card.
Yes, because SBI Irctc Platinum Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on SBI Irctc Platinum Credit Card can be redeemed for IRCTC Train Tickets via irctc.co.in or IRCTC app via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, SBI Irctc Platinum Credit Card features complimentary airport lounge privileges. Cardholders receive complimentary lounge entries per quarter at participating domestic and/or international airports in India. Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of SBI Irctc Platinum Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI Irctc Platinum Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Irctc Platinum Credit Card currently features a welcome offer: "350 activation bonus Reward Points on a single transaction of ₹500 or more within 45 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 10% value back (1 RP = ₹1) on AC class train tickets and Low annual fee of ₹500 that is easily offset by the welcome bonus. However, keep in mind that Rewards are strictly limited to IRCTC ticket redemptions and Low reward rate (0.8%) on general everyday spending. Overall, SBI Irctc Platinum Credit Card delivers strong value if your regular spending aligns with Entry Level, Travel.
Yes, SBI Irctc Platinum Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
