IRCTC SBI Platinum Card
SBI Card · Checked 2026-10-09
IRCTC SBI Platinum Card is a paid card focused on travel benefits and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
IRCTC SBI Platinum Card is a paid card focused on travel benefits and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10% value back on eligible AC train base fares booked through IRCTC; 1 point per ₹125 on other eligible purchases.
- Four railway lounge visits yearly under the issuer programme.
Trade-offs to understand
- 1 point = ₹1 towards eligible IRCTC train bookings.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10% value back on eligible ac train base fares booked through irctc; 1 point per ₹125 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 1 point = ₹1 towards eligible IRCTC train bookings.
Compare before deciding
- IRCTC HDFC Bank Credit Card — A similarly priced alternative for comparing reward points and travel benefits.
- IRCTC RBL Bank — A similarly priced alternative for comparing reward points and travel benefits.
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Benefits, limits and conditions
- 1 point = ₹1 towards eligible IRCTC train bookings.
- Four railway lounge visits yearly under the issuer programme.