IRCTC SBI Platinum Credit Card — Rewards, Fees & Value
SBI Cards · visa · entry
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Transfer partners
Points can transfer to: irctc, statement credit.
Key benefits
- 10% value back as Reward Points on IRCTC train bookings
- Railway lounge access (4 per year)
- 1% surcharge waiver on fuel
- Transaction charge waiver on IRCTC bookings
Calculate your exact points value, or let the Card Finder check whether the IRCTC SBI belongs in your stack.
FAQs
The IRCTC SBI Platinum Credit Card earns up to 4% effective value on travel & flights and 0.4% on dining & food delivery. Its base rate is about 0.4%.
The IRCTC SBI has an annual fee of ₹500.
On the IRCTC SBI, one point is worth up to about ₹0.4 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-01. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with SBI Cards.