Sbi Irctc Platinum
SBI Card
Sbi Irctc Platinum
SBI Card
Annual Fee
₹500
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Irctc Platinum
10% value back on IRCTC AC train bookings; 1 RP/₹125 other. Railway lounge access. 1% fuel waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleRailway Lounge Access
- check_circleIRCTC Ticket Discounts
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 10% | 1000 pts≈ ₹250 |
| All other spends | 0.8% | 80 pts≈ ₹20 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the SBI Card rewards portal. Redemption value may vary by option.
Card Benefits
IRCTC Ticket Discounts
Transaction charge waiver on IRCTC bookings
~₹3,000/yr value
Railway Lounge Access
Complimentary railway lounge access at select stations
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver
~₹2,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹75,000 (ANNUAL)
Annual Fee Waiver – ₹75K Spend: Annual fee of ₹500 waived on achieving annual net spends of ₹75,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹500 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Irctc Platinum.
Ready to apply for Sbi Irctc Platinum?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.