Credit Cards · Honest Review

IRCTC SBI Platinum Credit Card

State Bank of India · RuPay

₹300Annual fee
0.80%Base rate
3.5%Forex markup
₹20KMin income/mo
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Your Verdict

IRCTC SBI Platinum Credit Card
State Bank of India · RuPay
  • ✓10% value back as reward points on AC1/AC2/AC3/AC CC IRCTC ticket bookings
  • ✓Waiver of 1.8% transaction surcharge on IRCTC bookings
  • ✓Access to select railway lounges during train journeys
  • ✓Low 300 renewal fee, largely recovered via 500 bonus points each year
  • ✓Co-branded card tailored specifically for frequent train travelers
₹300/yrAnnual fee
₹300
Annual fee
0.80%
Base reward rate
None
Lounge access
700+
CIBIL score
Our verdict
IRCTC SBI Platinum Credit Card is a niche but highly effective pick for frequent Indian Railways travelers, offering 10% value back and a surcharge waiver specifically on IRCTC ticket bookings plus railway lounge access. Outside railway bookings the reward rate is unremarkable, so it works best as a secondary card for train-heavy travelers.
Fees & charges

What IRCTC SBI Platinum Credit Card costs you

IRCTC SBI Platinum Credit Card carries a ₹300 annual fee and a ₹500 one-time joining fee. There is no spend-based annual fee waiver.

FeeAmount
Annual fee (year 2+)₹300
Joining fee (one-time)₹500
Foreign transaction fee (forex markup)3.5% per transaction
Rewards & cashback

What you earn on every rupee spent

IRCTC SBI Platinum Credit Card earns 0.80% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)0.80%
✈️ Travel & Flights10%
10%
Travel & Flights
Welcome bonus

350 bonus reward points on first transaction of 500+ within 45 days of card issuance

Reward types: Points · Discounts

Benefits & perks

Beyond the reward rate

The non-reward benefits on IRCTC SBI Platinum Credit Card are limited — the card's value proposition is primarily the reward rate structure.

🛫
No lounge access
This card does not include airport lounge access.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.

₹20,000
Min monthly income
700+
CIBIL score
21–70
Age (years)
RequirementDetail
Minimum monthly income₹20,000
CIBIL score700+ (good to excellent)
Age range21–70 years
Employment typeSalaried, Self-employed
Typical approval time7-10 working days

Available to both salaried and self-employed applicants aged 21 to 70.

Verdict

Who should (and shouldn't) get IRCTC SBI Platinum Credit Card

✅ Best for
  • → Heavy spenders on travel & flights who want 10% back
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
  • → International travelers — the 3.5% forex markup adds up quickly
Frequently asked questions

IRCTC SBI Platinum Credit Card — Questions answered

What is the annual fee for IRCTC SBI Platinum Credit Card?
The annual fee is ₹300 from year 2 onwards, with a one-time joining fee of ₹500. There is no spend-based waiver on this card.
What is the minimum income required for IRCTC SBI Platinum Credit Card?
Salaried applicants need a minimum net monthly income of ₹20,000 and a CIBIL score of at least 700. Self-employed applicants typically need equivalent annual income proof. Available to both salaried and self-employed applicants aged 21 to 70.
What is the reward rate on IRCTC SBI Platinum Credit Card for travel & flights?
IRCTC SBI Platinum Credit Card earns 10% on travel & flights with no monthly cap. On all other spends, the base reward rate is 0.80%.
Does IRCTC SBI Platinum Credit Card provide airport lounge access?
IRCTC SBI Platinum Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How long does it take to get IRCTC SBI Platinum Credit Card approved?
Most applications for IRCTC SBI Platinum Credit Card are processed within 7-10 working days. Instant in-principle approval is available for pre-approved customers. Physical card delivery typically takes 3–5 business days after approval.
How long does it take to get IRCTC SBI Platinum Credit Card approved?
Most applications for IRCTC SBI Platinum Credit Card are processed within 7-10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.