IRCTC SBI Platinum Card
An entry IRCTC co-brand card: 1 point per ₹125 on non-fuel spends plus 4% or 10% back (by travel season) as points on AC train tickets booked on IRCTC; points (₹1 each) move to the IRCTC loyalty account and are redeemed on IRCTC train tickets. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹500 plus GST Product page |
|---|---|
| Annual fee | ₹500 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| No spend-based waiver of the renewal fee is published; 500 reward points are credited when the renewal fee is paid. | |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Non-fuel retail spends, including IRCTC train tickets | 1 point per ₹125 Terms | no cap on record |
Points are transferred each month to the cardholder's IRCTC loyalty account and can be redeemed only on IRCTC train tickets (AC classes).
The travel value back on AC train tickets (4% or 10% by travel date, on base fare) is shown as a highlight and not priced; the calculator counts IRCTC train tickets at the base rate of 1 point per ₹125.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: 350 bonus reward points (₹1 each on IRCTC) on a first spend of ₹500 or more within 60 days Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 4% or 10% back as points on AC train tickets booked on IRCTC, depending on the travel date Terms
- 1% IRCTC transaction charge saved on railway bookings on irctc.co.in Product page
- 4 complimentary railway lounge visits a year (up to 1 a quarter) Product page
- 500 reward points each time the renewal fee is paid Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends
- a spend-based waiver of the annual fee
Where SBI Card’s documents differ, and what is used
- Rail value back: the product feed says "up to 10%"; the card terms give 4% for travel from 1 Apr to 14 Jul and 16 Sep to 14 Jan, and 10% for travel from 15 Jan to 31 Mar and 15 Jul to 15 Sep, on base fare. Not priced; shown as a highlight.
- Fuel surcharge cap: the product feed says ₹100 per statement cycle; the card terms say ₹100 monthly. The statement-cycle wording is used.
The quotes behind the figures
34 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 500 + taxes. The Renewal Fee is Rs. 500 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 500 + taxes”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“1 Reward Point = Re. 1”
“a. The cardholder shall earn 1 (one) Point for every eligible Rs. 125 charged to your IRCTC SBI Platinum Card for Domestic as well as International Transactions.”
“1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)”
“Any purchase at petrol pumps/service stations identified under MCC 5172, 5541, 5983, 5542”
“*E-wallet loading transactions under MCCs 6540 & 6541 w.e.f 1st July 2020”
“j. W.e.f. 15 Apr 2024, accrual of Reward Points on Rent Payment transactions with IRCTC SBI Card will be discontinued.”
“k. W.e.f. 15 July 2024, accrual of Reward Points on Govt. Related transactions for your IRCTC SBI Card will be discontinued.”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“"filterBenefits" : "upi-payments"”
“IRCTC SBI Platinum 500 500”
“d) With effect from 26th December'24, the membership fee is of Rs.500 with an renewal fee of Rs.500, exclusive of applicable taxes. On payment of renewal fee, 500 Reward points will be credited to the cardholder' account.”
“Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car.”
“Reward Points on IRCTC bookings are calculated on the Booking base fare, including the Primary Cardholder's fare and all co-travellers' fares.”
“Each SBI Card Travel reward point shall be equivalent to Rs 1/-.”
“Reward Points will be transferred to IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (Android only)”
“1 Reward Point = Rs.1”
“Fuel and Cash spending are not included.”
“2. On purchase of fuel between `500/- and `3,000/- each time, get 1% surcharge waiver upto `100 monthly.”
“e. With effect from 26th December'24, Reward points will be valid for a period of 2 years from the date of member's registration.”
“IRCTC SBI Platinum Card - Benefits & Features - Apply Now | SBI Card”
“The Reward Points earned are transferred from IRCTC SBI Card account to customer's IRCTC loyalty account by 15th of every month.”
“Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 3,000”
“Maximum waiver of Rs. 100 per statement cycle, per credit card account”
“Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.”
“4% value back on travel spends made between 01 April & 14 July or between 16 September & 14 January in any year. 10% value back on travel spends made between 15 January & 31 March or between 15 July & 15 September in any year.”
“Save 1% transaction charges on railway ticket bookings on www.irctc.co.in”
“4 complimentary railway lounge access in a year in India (max. 1 per quarter)”
“500 Reward Points on payment and realization of renewal fee”
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“B. The VISA/RuPay logo: The hologram and the logo ensure that all establishments throughout the world displaying the VISA/RuPay logo will accept your card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology