IRCTC SBI Card Platinum
SBI
₹500
Joining fee
₹500, waived at ₹1L spend
Annual fee
Not found/not mentioned — no confirmed waiver.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Lounge access
4 railway visits per year
Reward details
1 reward point per Rs 125 spent
- up to 10% value-back as reward points on Railway bookings (IRCTC) — AC1, AC2, AC3, Executive Chair Car, Chair Car
Welcome bonus: 350 reward points upon activation (first Rs 500+ transaction within 60 days)
Redemption
Redeemable only against IRCTC bookings via website or Android app
Ratio: 1 point = Rs 1
Excluded from rewards: fuel, rent, wallet reload, cash advances, balance transfers, fees, merchant EMI, Flexipay, government transactions
- 1% transaction charge waiver on railway ticket bookings via IRCTC
- 1% fuel surcharge waiver capped at Rs 100/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 'Low annual fee travel credit card' with 'good return for a low-fee card'; transaction charge waiver and railway lounge access appreciated — Paisabazaar
Complaints
- Benefits on no other spending category apart from train travel; base reward rate quite low at 0.8%; suitable only for frequent train travelers — Paisabazaar
Sources
- Official (blocked when last checked) — headline benefits only via meta-description
- Aggregator — fees, lounge, rewards, sentiment