State Bank of India

SBI IRCTC Platinum Credit Card

Data last verified: 11 October 2026

TravelVISA

Joining fee₹500 + GST
Annual fee₹500 + GST
Reward rate0.8% on most spends; 8% only at partner merchants

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹500 + GST
Annual fee₹500 + GST
Forex markup3.5%

This RuPay card is made for people who book trains on IRCTC. It earns reward points on railway ticket bookings through IRCTC and on retail spends, and gives 4 complimentary railway lounge visits a year, one per quarter. Because it is a RuPay card, you can link it to UPI and pay at shop QR codes.

The annual fee is ₹500. It pays for itself if you book train tickets through IRCTC often and use the railway lounges on long journeys.

It suits regular rail travellers and families who plan trips on IRCTC. The honest catch is that it earns little on regular shopping, has no airport lounge access, and charges a 3.5% forex fee.

Best for: Frequent train travellers, Families who book on IRCTC, UPI users wanting a credit card on RuPay.

01SBI IRCTC Platinum Credit Card Rewards and Benefits

Rewards rate: 0.8% on most spends; 8% only at partner merchants
Reward redemption: Not published
Dining: 0.8% back (the normal rate)
Travel: 8% back only at IRCTC; other travel: 0.8% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02SBI IRCTC Platinum Credit Card Annual Fee and Charges

Joining fee: ₹500 + GST
Annual fee: ₹500 + GST
Spend-based waiver: None
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: Not published
Fuel surcharge waiver: Yes
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 0.8%₹160
Back each month, ₹1,920 a year₹160
Annual fee with 18% GST−₹590
In your pocket each year₹1,330

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Travel only at IRCTC: 8% back
Flyers: some airport lounge visits a year

Skip it if…

you spend less than ₹6,500 a month: below that the ₹590 fee costs more than the rewards
most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you rarely spend on IRCTC: the 8% rate applies only there, everything else earns 0.8%
you often pay in foreign currency: 3.5% is added to every foreign spend

04Product Details

₹500 joining and annual fee
Reward points on IRCTC train bookings
4 railway lounge visits a year, 1 per quarter
RuPay card that works on UPI
3.5% forex markup

05Pros and Cons

Pros

Useful railway lounge access
Rewards on IRCTC bookings
Works on UPI

Cons

Low rewards outside IRCTC
No airport lounge access
3.5% forex fee

06How SBI IRCTC Platinum Credit Card earns Rewards

0.8% on most spends; 8% only at partner merchants.

Earns nothing onFuelRentGovernmentWallet loadsCash withdrawals

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	0.8%	No cap	The card's normal rate
Dining and food delivery	0.8%	No cap	The card's normal rate
Groceries	0.8%	No cap	The card's normal rate
Travel: flights, hotels, trains	0.8%	No cap	Anywhere else in the category
Travel: flights, hotels, trains, only at listed merchants	8%	No cap	Only at: IRCTCTerms: 10 Travel Reward Points per ₹125 (8%) on AC-class IRCTC tickets booked at irctc.co.in; 1 point = ₹1 against a ticket, credited 5 days after travel. SBI markets it as "up to 10%" and its own back-of-booklet FAQ says 10 per ₹100; the Travel Reward Point Calculation clause governs.
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	0.8%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	0.8%	No cap	The card's normal rate
School and college fees	0.8%	No cap	The card's normal rate
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	0.8%	No cap	The card's normal rate
Everything else	0.8%	No cap	The card's normal rate

Listed underTravel cards Rewards cards

CardAdvisor tagsTravelReward points

Terms on the base rate. 1 Reward Point per ₹125 (~0.8%) on non-fuel retail purchases. SBI sweeps the whole point balance to your IRCTC loyalty account monthly, where 1 point is worth ₹1 against a ticket, so the ₹1 rate is the one that applies, but only if you actually book AC rail. Fuel and cash spends excluded.

07SBI IRCTC Platinum Credit Card Travel Benefits

Railway lounges: 4 visits a year. 4 complimentary railway lounge visits a year in India (max 1 per quarter), for primary cardholders only. Spending abroad carries a 3.5% forex markup; rewards on it: 0.8% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.

Fuel surcharge waiver: 1% fuel surcharge waiver across petrol pumps in India on transactions of ₹500 to ₹3,000; maximum ₹100 per statement cycle.
Milestone bonuses: 500 Reward Points (~₹500) on payment and realisation of the renewal fee each year.

08SBI IRCTC Platinum Credit Card Eligibility and Documents

Employment: Salaried or self-employed

Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph

09Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
1 Apr 2026	Reduced: Statement-credit redemption capped & blocked into 4,000-point multiplesSource: State Bank of India	Unrestricted statement-credit redemption, any point quantity	Max 60,000 RP a month; redeemable only in multiples of 4,000
1 Nov 2025	Reduced: 1% fee on third-party education payments & wallet loadsSource: State Bank of India	No surcharge on education/wallet-load spends	1% fee on 3rd-party education fees & wallet loads over ₹1,000
26 Dec 2024	Changed: Value-back now credited on the complete booking	Cardholder's fare only	Complete booking
15 Jul 2024	Reduced: Government transactions stop earning reward pointsSource: State Bank of India	Earned	Excluded
15 Apr 2024	Reduced: Reward points removed on rent payments (MCC 6513)Source: State Bank of India	Base RP earned on rent payments	No RP on rent payments (MCC 6513)

See this card's change history → · All card changes in April 2026 →

10Cards Similar to SBI IRCTC Platinum Credit Card

SBI IRCTC Platinum Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	SBI IRCTC Platinum Credit Card	Federal Scapia Credit card	IDFC FIRST Millennia Credit Card
Joining fee	₹500 + GST	Lifetime free	Lifetime free
Annual fee	₹500 + GST	Lifetime free	Lifetime free
Rewards	0.8% on most spends; 8% only at partner merchants	2% on most spends; 4% only at partner merchants	0.38% base, up to 1.25% on dining
Domestic lounge	Not included	Unlimited	Not included
Forex markup	3.5%	0%	0%
Type	Travel	Travel	Dining

Compare with Federal Scapia Credit card Compare with IDFC FIRST Millennia Credit Card

11Explore More

All State Bank of India productsEvery card, loan and account from State Bank of India on SkyloFin Travel credit cardsEvery travel card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Already Have a Credit Card?

Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.

Get the App

Common Questions

What is the fee?

The card costs ₹500 a year.

Does it give lounge access?

Yes, 4 railway lounge visits a year, one per quarter. It does not include airport lounges.

Can I use it on UPI?

Yes. It is a RuPay card, so it can be linked to UPI apps.

Is it good for regular shopping?

Not really. Its value is in IRCTC bookings and railway lounges.

What is the joining fee for the SBI IRCTC Platinum Credit Card?

The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the SBI IRCTC Platinum Credit Card?

The annual fee is ₹500 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

SBI IRCTC Platinum Credit CardJoining fee: ₹500 + GST

Apply Now

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides