IRCTC SBI Platinum Card
SBI Card · Open to apply
The entry IRCTC co-brand card: a ₹500 fee, at least 4% back on AC rail tickets booked at irctc.co.in (10% in two travel windows of the year), 1 point per ₹125 elsewhere except fuel, and four railway lounge visits a year. Points are worth ₹1 on IRCTC.
- Annual fee
- ₹500 + GST a year
- Joining fee
- ₹500 + GST
- Base rate
- 1 point per ₹125 on non-fuel retail spends: 1 IRCTC SBI Card Reward Points per ₹125 (about 0.8% at cash value)
- Lounges
- Railway: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- At least 4% back (4 points per ₹100) on AC rail tickets booked at irctc.co.in and the IRCTC app: 4% in IRCTC SBI Card Reward Points (about 4% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on cash advances, encash and balance transfers
- No points on Flexipay and Merchant EMI
- No points on rent (MCCs 6513, 7349)
- No points on government-related transactions (MCCs 9399, 9311)
Where the sources disagree
- Rail value back: The product page says "up to 10% value back"; the T&C and FAQ say 4% or 10% depending on the travel date. We enter the 4% that holds all year.
- Rent exclusion date: A notice on SBI Card's page dates the end of rent points for "IRCTC SBI Card" from 1 Jul 2023; the T&C clause, which also says "IRCTC SBI Card", dates it from 15 Apr 2024. We use the T&C date.
Terms the calculator does not value
- Rail tickets earn 10% instead of 4% for travel dates between 15 January and 31 March and between 15 July and 15 September; the format cannot repeat a window every year. Averaged by days the year is about 6.3%.
- The rail rate needs the booking at irctc.co.in or the IRCTC app with the card's 11-digit loyalty number linked to the IRCTC login, the cardholder on the ticket, and an AC class; it applies to the base fare only, not reservation, superfast or other charges.
- Points are worth ₹1 only on IRCTC railway tickets in AC classes; the T&C names no other way to spend them.
Sources
- IRCTC SBI Platinum Card product-page data file (fees, rates, lounges, benefits) (Product page, the bank's own, read 6 Nov 2026)
- IRCTC SBI Card Terms & Conditions booklet (reward programme, benefits, loyalty terms) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IRCTC SBI Platinum Card FAQ (rail rewards, redemption, validity) (FAQ, the bank's own, read 6 Nov 2026)
- IRCTC SBI Card loyalty programme note (Aug 2024), rail rewards, redemption, validity (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card railway lounge programme FAQ, IRCTC SBI Platinum Card (FAQ, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (exclusions; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 15 Apr 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of co-brand credit cards where reward points do not apply on government-related transactions from 15 Jul 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (1 Jul 2023 rent notice naming IRCTC SBI Card) (Bank notice, the bank's own, read 6 Nov 2026)