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

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

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 ₹1,818/yr is calculated
IRCTC SBI Platinum
+ Reward value on your spendat ₹0.25/Reward Points realistic value
₹1,812
+ Fuel surcharge waiver1% up to ₹100/month
₹360
− Annual fee incl. 18% GSTcharged every year
−₹354
= Recurring net savings
₹1,818/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,87,600
= Effective savings rate
0.5%

How the score of 25 is built

weights total 100% · methodology
Net savings rate10/100 × 55%5.2
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 →

What changed on this card

  1. Policy changeSBI Card

    SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month

    Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.

    Cards: SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Card ELITE, SBI Card PULSE, SBI Card MILES ELITE, Air India SBI Signature, AURUM +4 more · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

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

Compare IRCTC SBI Platinum with

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. Also: IRCTC SBI Platinum lounge access by airport · all SBI Card cards · change log.