SBI Card IRCTC SBI Platinum credit card
SBI Card× IRCTCRuPay · UPITravel

IRCTC SBI Platinum credit card

10% value back on IRCTC AC train tickets, 1% transaction charge waiver, railway lounges.

25
Personal score25/100● Weak fit
Recurring net savings₹1,818/yrafter fee, GST and caps · bills paid in full
First-year value₹1,908incl. ₹90 welcome, ₹354 joining fee
Effective savings rate0.5%on ₹3,87,600 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹354never waived
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: SBI Card – IRCTC SBI Platinum product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹1,080/yr10% value back on IRCTC AC tickets…
−₹354Fee you pay
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹1,818/yr · 0.5%
10% value back on IRCTC AC tickets (commute…on ₹10,800₹1,080
Base rate 0.25% on other spendson ₹2,31,840₹580
1 RP/₹125 on UPIon ₹60,960₹152
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹354

How the score of 25 is built

weights total 100% · methodology
Net savings rate8/100 × 55%4.3
Usable lounge access0/100 × 15%0.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety45/100 × 5%2.3

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated10% 10% value back on IRCTC AC…1 RP/₹125 on UPI
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹354/yr incl. GSTnot spend-waivable
🎁 Welcome (year 1)≈ ₹90350 RP on ₹500 spend
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★☆☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Cheapest train-travel card
  • RuPay UPI
  • Only IRCTC earns well

Community Q&A on the IRCTC SBI Platinum

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the SBI Card IRCTC SBI Platinum?

Joining fee ₹300 and renewal fee ₹300, plus 18% GST (₹354 a year). The fee is not waived on spend.

Does the IRCTC SBI Platinum give airport lounge access?

No lounge access. None.

How much can I save with the IRCTC SBI Platinum?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,818 a year, an effective savings rate of 0.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the IRCTC SBI Platinum's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10% value back on IRCTC AC tickets (commute assumed partly rail): capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.