IRCTC SBI Platinum Card
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Rail tickets booked on the IRCTC app or website — AC1, AC2, AC3, Executive Chair Car and Chair Car | 10% | No cap |
| All other spends | 0.8% | No cap |
Redemption fee: 99
Managed via IRCTC Loyalty account, redeemed on the IRCTC website or Android app
Transfer partners
Live Offers
63 activeBenefits
Lounge Access
1 domestic visits/quarter
0 international visits/quarter
4 complimentary RAILWAY lounge accesses a year in India, subject to a quarterly maximum. These are railway station lounges, not airport lounges — a distinction the numeric fields cannot make.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps in India. SBI states the benefit without publishing the transaction band or the cap on the captured pages.
Welcome Benefit
350 activation bonus Reward Points
Earned on a single transaction of ₹500 or more within 60 days of card issuance. Fuel and cash spends do not count.
Credited within 45 days of the eligible transaction.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹500/yr |
| Renewal Fee | ₹500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
