IRCTC SBI Platinum
Annual Fee
₹300
Rewards/₹100 ⓘ
₹0.80 - ₹7.50
Interest Rate
42.00%
Credit Score
750+
At a Glance
Key Benefits
10% value back on AC train tickets, 1.8% IRCTC fee waiver, 1% fuel surcharge waiver
Lounge Access
4 railway lounge visits per year (max 1/quarter)
Eligibility
Age: 18-60, Income: Rs 20,000+/month (salaried) or Rs 30,000 (self-employed), CIBIL: 750+
Quick Details
Reward Structure
All Spends
IRCTC Train Tickets (AC1, AC2, AC3, CC)
Reward Calculator
Milestone Benefits
350 activation bonus reward points on a single transaction of Rs 500 or more within 45 days of card issue.
Spend ₹500 within 45 days
value
Rs 100 cashback on first ATM cash withdrawal within 30 days of receiving the card.
value
Airport Lounge Access
visits per year
Access to IRCTC railway lounges. Maximum 1 visit per quarter. Available at participating lounges in India.
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately.
Quick Analysis
Best entry-level credit card for regular train travelers. The 10% value back on AC train tickets and railway lounge access make it worthwhile despite the low general rewards rate.
Pros
- ['10% value back on AC1, AC2, AC3 and AC Chair Car train tickets', '1.8% transaction charge waiver on IRCTC bookings', '4 complimentary railway lounge visits per year', 'Very low annual fee of just Rs 500 + GST', '1% fuel surcharge waiver across all petrol pumps']
Cons
- ['Very low base rewards (1 point per Rs 125 = 0.8%)', 'No airport lounge access', 'No value on non-train travel or daily spends', 'Railway lounge network is limited']
Best For
Frequent train travelers booking AC tickets
Not Ideal For
Those seeking rewards on daily non-travel spending
Frequently Asked Questions
What is the reward rate on IRCTC train bookings?
How many railway lounge visits do I get?
What is the annual fee for IRCTC SBI Platinum?
Do I get airport lounge access?
What is the minimum income required?
User Reviews
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