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IRCTC SBI Card Platinum
60/100
SBI Card
A niche railway card for frequent IRCTC train bookings.
Credwiser Score 60/100

IRCTC SBI Card Platinum

SBI Card • A niche railway card for frequent IRCTC train bookings.

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This co-branded card is designed only for railway users, with value back on eligible AC train bookings and a waiver of transaction charges on IRCTC bookings. It also includes a small number of railway lounge visits each year. For general shopping, dining or flights, the reward rate is weak and other cards will usually give better value.

Annual Fee (+ 18% GST)₹500 (₹590 incl. GST)
Fee WaiverNo fee waiver
Joining Perk350 bonus reward points on a single transaction of ₹500 or more within 45 days of card issuance, as per card terms.
Primary RewardUp to 10% value back as reward points on AC class railway tickets booked through IRCTC, and 1 point per ₹125 on other non-fuel retail spends.
Airport Lounge Access4 Railway Lounge visits per year (max 1 per quarter) at participating lounges in India. No complimentary airport lounge access.
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForRegular train travellers who book AC tickets through IRCTC and want railway lounge access.

What We Like

  • Up to 10% value back on eligible IRCTC AC train bookings
  • 4 railway lounge visits per year included
  • 1% transaction charge waiver on railway bookings

Watch Out

  • No spend based annual fee waiver
  • No complimentary airport lounge access
  • Weak rewards outside railway bookings

MITC & Hidden Charges

18% GST applies to annual fee (Total ₹590). Other charges as per the issuer's MITC.

IRCTC SBI Card Platinum FAQs

What is the annual fee of IRCTC SBI Card Platinum?

The fee stated in the official MITC table is ₹500 plus GST, with no spend based waiver listed for this card.

Does IRCTC SBI Card Platinum offer airport lounge access?

No, it offers railway lounge access only, with 4 complimentary visits per year at participating lounges.

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Annual Fee₹5,000 + GST
Reward5 EDGE Miles per ₹100 on direct Airlines & Hotels
LoungeUp to 12 Domestic + 6 International visits per year (Tier-based: Silver, Gold, Platinum)
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SBI Card MILES
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An entry travel card in the MILES family with flexible travel credits.
Annual Fee₹1,499 + GST
Reward2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other spends.
Lounge4 Domestic Lounge visits per year, plus 1 additional domestic lounge visit for every ₹1,00,000 spent. Priority Pass membership is included, with international visits on paid basis for this variant.
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HDFC Regalia Gold
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The upgraded gold standard of HDFC’s popular Regalia lineage.
Annual Fee₹2,500 + GST
Reward4 Reward Points per ₹150 + 5X on Marks & Spencer, Myntra, Nykaa
Lounge12 Domestic (Priority Pass for international upon 4 flights)
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