IRCTC SBI Platinum Card (RuPay) benefits
- Up to 10% value back on AC class and chair car tickets booked through IRCTC
- 4 points per ₹100 or 10 points per ₹100, based on your date of travel
- 1 reward point per ₹125 on other eligible spends
- 4 free railway lounge visits a year, at most 1 per quarter
- Joining and renewal fee of ₹500 before GST
- 350 activation points and 500 points on renewal
IRCTC SBI Platinum Card (RuPay) rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| IRCTCAC class and chair car tickets on irctc.co.in and the IRCTC app only, for travel from 15 January to 31 March and 15 July to 15 September. No monthly or yearly limit. | 10 points per ₹100 | None |
| IRCTCAC class and chair car tickets on irctc.co.in and the IRCTC app only, for travel from 1 April to 14 July and 16 September to 14 January. No monthly or yearly limit. | 4 points per ₹100 | None |
| Everything else | 0.8 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel and other petrol pump purchases, wallet loads, rent, government payments, balance transfers, cash advances, encash, Flexipay and merchant EMI.
All reward rules
- The base rate is 1 point per ₹125, which is 0.8 points per ₹100.
- 1 reward point equals ₹1 of ticket fare when you redeem it on IRCTC.
- You must be a passenger on the ticket to earn points on it. Points are credited 5 days after the journey if the ticket is not cancelled.
- 3E and sleeper class tickets earn no travel reward points.
- Points move to your IRCTC loyalty account by the 15th of each month. They are valid for 2 years and can lapse if membership is not renewed.
- Activation bonus: 350 reward points on your first retail spend of ₹500 or more within 60 days of card issue.
- Railway lounges: 4 free visits a year, at most 1 per quarter, for the primary cardholder. This is separate from the airport lounge figures, which are 0.
IRCTC SBI Platinum Card (RuPay) annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- None
- Foreign currency markup
- 3.5%
Fees are before GST. There is no spend-based renewal fee waiver in SBI Card's fee table. 500 reward points are credited when the renewal fee is paid.
Fuel surcharge: 1% waiver on fuel purchases from ₹500 to ₹3,000, up to ₹100 a month.
IRCTC SBI Platinum Card (RuPay) eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. Exceptions need internal approval. The documents we checked give no minimum income for this card.
The bank alone decides approval and your credit limit.
IRCTC SBI Platinum Card (RuPay) lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the IRCTC SBI RuPay credit card?
The joining fee is ₹500 and the renewal fee is ₹500 a year, both before GST. You get 500 reward points when the renewal fee is paid.
Is the IRCTC SBI RuPay credit card lifetime free?
No. It has a ₹500 joining fee and a ₹500 renewal fee. SBI Card's fee table shows no spend-based renewal waiver for this card.
How many reward points do I earn on train tickets?
You earn 10 points per ₹100 for travel from 15 January to 31 March and 15 July to 15 September. On other dates you earn 4 points per ₹100. This applies to AC class and chair car tickets booked on irctc.co.in or the IRCTC app. There is no monthly or yearly limit.
What is one reward point worth on this card?
1 reward point equals ₹1 of ticket fare when you redeem it on IRCTC. Redemption must cover the total ticket fare, not one passenger's fare.
Does this card give railway or airport lounge access?
It gives 4 free railway lounge visits a year, at most 1 per quarter, for the primary cardholder only. ₹2 is charged to check the card. The card's terms do not list an airport lounge benefit.
Does the IRCTC SBI RuPay card have a fuel surcharge waiver?
Yes. You get a 1% waiver on fuel purchases from ₹500 to ₹3,000, up to ₹100 a month. Fuel purchases themselves earn no reward points.
Who can apply for this card?
SBI Card's policy sets an age of 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked do not give a minimum income for this card.