Skip to content
Milled metal and paper — the material a card is made from.

IRCTC SBI Platinum Card

SBI Card

Annual / renewal fee

₹500 (plus applicable taxes).

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Earn rate

  • Up to 10% Value Back as Reward Points on AC1, AC2, AC CC bookings at www.irctc.co.in.
  • 1 Reward Point for every ₹125 spent on other retail purchases (non-fuel) including railway ticket purchases at www.irctc.co.in.

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM ISTSBI Card

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-17
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Overview

IRCTC SBI Platinum Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500 + taxes.

VerifiedIRCTC SBI Platinum Card — official product page18 Aug 2026, 12:14 AM ISTSBI Card

Annual / renewal fee

₹500 (plus applicable taxes).

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Fee waiver

No annual, joining or renewal fees shall be refunded on a pro-rata basis on termination.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)1 Aug 2026, 3:45 PM ISTSBI Card

Renewal fee

₹500.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Rewards

  • Up to 10% Value Back as Reward Points on AC1, AC2, AC CC bookings at www.irctc.co.in.
  • 1 Reward Point for every ₹125 spent on other retail purchases (non-fuel) including railway ticket purchases at www.irctc.co.in.

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM IST

Redemption value

  • Rewards Redemption Fee: ₹99 (applicable only on physical products, statement credit & vouchers sent physically; not for AURUM).
  • Reward Points are valid for 24 months and expire on the last day of the 24th month if not redeemed.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Reward exclusion

Base 1 Reward Point per ₹125 is on non-fuel retail purchases (fuel excluded).

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM ISTSBI Card

Travel & lounge

Lounge access

  • 4 complimentary railway lounge access in a year in India (max. 1 per quarter).
  • Complimentary access applicable only for primary cardholders.

VerifiedIRCTC SBI Platinum Card — official product page18 Aug 2026, 12:14 AM ISTSBI Card

Travel benefit

Save 1% transaction charges (exclusive of GST & all other charges) every time you book your railway tickets online on www.irctc.co.in with your IRCTC SBI Platinum Card.

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM ISTSBI Card

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

350 Activation Bonus Reward Points on a spend of ₹500 or more within 45 days of card issuance.

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM ISTSBI Card

Milestone benefit

500 Reward Points on payment and realization of renewal fee.

VerifiedIRCTC SBI Platinum Card — official product page18 Aug 2026, 12:14 AM ISTSBI Card

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

  • Foreign Currency Transaction Fee: 3.5% of the INR converted amount (not applicable for Krishak Unnati SBI Card).
  • Not reversed on transaction refunds.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Charge

  • Cash Advance Fee: 2.5% of transaction amount, subject to a minimum of ₹500 (domestic and international ATMs).
  • Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
  • Minimum finance charge ₹25.
  • Cash Payment Fee: ₹250 + applicable taxes.
  • Cheque Payment Fee: ₹200.
  • Payment Dishonor Fee: 2% of payment amount, minimum ₹500.
  • Overlimit Fee: 2.5% of overlimit amount, minimum ₹600.
  • Card Replacement Fee: ₹100 - ₹250.
  • Dynamic Currency Conversion Fee: 3.5%.
  • Late Payment Charges: Nil up to ₹100.
  • ₹100 for >₹100 & up to ₹500.
  • ₹500 for >₹500 & up to ₹1,000.
  • ₹750 for >₹1,000 & up to ₹10,000.
  • ₹950 for >₹10,000 & up to ₹25,000.
  • ₹1,100 for >₹25,000 & up to ₹50,000.
  • ₹1,300 for >₹50,000, plus additional ₹100 for missing MAD two consecutive cycles.
  • Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total utility payments if total exceeds ₹50,000 in a billing cycle.
  • Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on education payments via third-party apps.
  • Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
  • Processing Fee on Rent Payment Transactions: ₹199.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Fuel surcharge waiver

  • 1% fuel surcharge waiver (excluding GST) on eligible transaction value at petrol pumps.
  • Fuel surcharge is 1% of transaction amount + applicable taxes.

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Interest-free period

Interest free credit period of 20 to 50 days, subject to submission of claims by the merchant (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

VerifiedMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)18 Aug 2026, 12:14 AM ISTSBI Card

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the IRCTC SBI Platinum Card?

Officially traced: Rs. 500 (plus applicable taxes).

Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)

Is the IRCTC SBI Platinum Card annual fee ever waived?

No annual, joining or renewal fees shall be refunded on a pro-rata basis on termination.

Most Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)

How does the IRCTC SBI Platinum Card earn rewards?

Up to 10% Value Back as Reward Points on AC1, AC2, AC CC bookings at www.irctc.co.in.

IRCTC SBI Platinum Card product page

What welcome benefit does the IRCTC SBI Platinum Card offer?

350 Activation Bonus Reward Points on a spend of Rs. 500 or more within 45 days of card issuance.

IRCTC SBI Platinum Card product page

What are the transfer ratios for IRCTC SBI Platinum Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) – SBI Card (covers all variants including IRCTC Platinum)IRCTC SBI Platinum Card product page

Official terms

https://www.sbicard.com/en/personal/offers/travel/irctc-sbi-platinum-card.page.

VerifiedIRCTC SBI Platinum Card product page18 Aug 2026, 12:14 AM ISTSBI Card

Verified 2026-08-17 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

( Continue exploring )

More from this issuer