State Bank of IndiaIRCTC SBI Platinum Credit Card

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State Bank of India

IRCTC SBI Platinum Credit Card

4.0Best for travel

Verifying

Joining fee incl. GST: ₹590
Renewal fee incl. GST: ₹590
Conditional welcome value: Up to ₹350
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Current product page: qualifying non-fuel/non-cash transaction within 60 days; points credited within 45 days of the transaction.

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

The combined booklet has seasonal and top-up wording conflicts; confirm current season/variant. Annual projection does not model travel dates, transaction rounding or add ordinary purchase points to rail bonuses. Network-specific UPI rewards remain unverified.

Spend category	Reward rate	Reward limit
Travel Only the qualifying merchants or payment route below Booklet lists 10% for eligible AC travel 15 Jan–31 Mar and 15 Jul–15 Sep. Only booking base fare qualifies. This estimate does not add ordinary purchase points to the rail bonus.	10%	No category cap
Travel Only the qualifying merchants or payment route below Eligible AC booking base fare, including co-travellers while the cardholder travels. Linked IRCTC loyalty account required. Booklet lists 4% for travel 1 Apr–14 Jul and 16 Sep–14 Jan; confirm season rules before booking.	4%	No category cap
Other eligible purchases 1 point per ₹125 on eligible non-fuel retail spending. Each point is ₹1 towards eligible IRCTC railway tickets, not cash.	0.8%	No category cap

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹500

Annual fee₹500

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%, up to ₹100/mo

Key benefits

Up to 10% in IRCTC travel points on eligible AC booking base fare, including co-travellers; cardholder must travel and link the loyalty account.
1 point = ₹1 towards eligible train tickets; not statement cash. The full redemption booking must be covered with points.
500 points on payment and realisation of the renewal fee; excluded from ongoing estimates pending qualification.
Four railway lounge visits a year, maximum one per quarter, for the primary holder.
1% IRCTC transaction-charge waiver on qualifying direct website bookings; cancellation charges can apply.
Network and UPI eligibility depend on the issued variant; the current product page identifies Platinum and contains Visa references.

What we like

+Useful restricted rewards for eligible AC rail bookings
+Four primary-holder railway lounge visits per year

What to watch

−Base earning is 0.8% in restricted train-ticket value
−Season, booking class and loyalty conditions matter
−No verified annual-fee waiver

Eligibility

Age 21–70

Income/credit eligibility per SBI Card internal approval criteria; SBI does not publish a fixed minimum income

Check State Bank of India's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this