IRCTC SBI Platinum Card Review 2026: Fees, 10% Rewards & Lounges
Get 10% value back on IRCTC AC ticket bookings with the SBI IRCTC Platinum Card. Check fees, railway lounge access, and reward redemption details.
The IRCTC SBI Platinum Card is a niche travel card that offers exceptional value for frequent Indian Railways passengers. While its rewards on general spending are poor, the 10% value back on AC tickets and transaction fee waivers make it a must-have for budget-conscious rail travelers.
Travel more, save more with the IRCTC SBI Platinum Card.
The Bottom Line
The IRCTC SBI Platinum Card is a niche travel card that offers exceptional value for frequent Indian Railways passengers. While its rewards on general spending are poor, the 10% value back on AC tickets and transaction fee waivers make it a must-have for budget-conscious rail travelers. With a ₹500 annual fee, it offers 10% rewards on irctc ac tickets and 350 bonus points. For anyone researching irctc sbi platinum card, the verdict is simple: conditional.
It earns a base reward rate of 0.8% and stacks best when your spending lines up with frequent-rail-traveler.
Who Should Get This Card
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Best fit for
IdealIdeal for those who frequently book AC class train tickets and can utilize the 10% value back and lounge access.
Probably not for
SkipThe card offers no significant benefits for flight bookings or airport lounge access.
The base reward rate is among the lowest in the market for non-railway transactions.
Is It Worth It For You?
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Reward Rates
IRCTC SBI Platinum Card offers 0.8% basic reward rate.
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Welcome Offer
Single transaction of ₹500 or more within 45 days of card issuance.
Milestone Benefits
500 Reward Points credited on payment of renewal fee.
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 750
- Minimum age 21 years. Available for salaried individuals with monthly income >₹20,000 and self-employed with annual income >₹3.6 Lakhs.
Exclusions & Terms
Fuel
- Eligible for surcharge waiver instead of reward points.
Wallet Load
- Standard SBI Card exclusion.
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Frequently Asked Questions
3 data-backed answers from our card database