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REWARD POINTS CARD

IRCTC SBI Platinum Card

SBI Card

Value back as reward points on IRCTC rail tickets, 1 reward point per ₹125 on non-fuel retail, an activation bonus, a renewal bonus and railway lounge visits.

Activation bonus needs a single ₹500+ transaction within 60 days; fuel and cash are excluded. Renewal bonus is credited on payment and realization of the renewal fee.

IRCTC SBI Platinum Card
ANNUAL FEE
₹500 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 10% value back as reward points on IRCTC rail tickets (AC1, AC2, AC3, Executive Chair Car, Chair Car) via IRCTC App and website
BEST FOR
Included: May suit occasional rail travellers booking on the IRCTC App or website who want a low annual fee.
Included: May suit regular railway ticket bookings on the IRCTC App or website.
Included: May suit occasional rail travellers wanting a low annual fee of ₹500 + taxes.
Included: May suit non-fuel retail spends earning 1 RP per ₹125 redeemable at ₹1 per point on IRCTC.
Limitation: Those heavy retail spenders may wish to compare other cards.
Limitation: Those fuel and cash spends, which are excluded from the activation bonus and base earn may wish to compare other cards.
Limitation: Those seeking airport lounge access may wish to compare other cards.
Limitation: Those high-spend users may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Railway lounge visits are for primary cardholders only: 4 a year in India, max 1 per quarter.
Condition: Cancelling a railway ticket debits a charge of 1% of the total refund amount to the card.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹500 + GST
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
4 visits per quarter — 4 visits per year in India (max 1 per quarter) · Applicable only for primary cardholders.
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on transactions of ₹500–₹3,000 at all petrol pumps in India; max ₹100 per statement cycle per card account
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel and cash spends are excluded from the activation bonus; base earn is on non-fuel purchases.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Up to 10% value back as reward points on IRCTC rail tickets (AC1, AC2, AC3, Executive Chair Car, Chair Car) via IRCTC App and website
Included: 500 Reward Points on payment and realization of the renewal fee.
Included: Saves 1% transaction charges on railway ticket bookings at irctc.co.in.
Included: Contactless tap-and-pay with Visa PayWave and Flexipay EMI on transactions of ₹2,500 or more.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.