IRCTC SBI Platinum (RuPay)

Joining ₹500 · Annual ₹500 · None. There is no spend-based waiver or reversal. 500 Reward Points (worth ₹500) are credited on payment and realisation of the renewal fee, which offsets the fee but is not a spend-linked waiver.

Fee break-even: ≈₹62,500/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 1 ₹/point. 1 RP = ₹1, but ONLY through IRCTC. Non-fuel retail points are swept from the SBI Card account into the IRCTC loyalty account by the 15th of each month (the SBI Card balance is then zeroed), and are redeemable only for confirmed/RAC/WL AC1, AC2, AC3, Executive Chair Car or AC Chair Car tickets booked through the cardholder's own login on irctc.co.in or the IRCTC Android app. Redemption must cover the FULL fare including all passengers and IRCTC service charges. No part-payment, no cash top-up, no iOS app. There is no Shop & Smile catalogue or statement-credit route, so SBI's usual ₹99 redemption fee and 4,000-point multiple do not apply here. Points lapse 3 years from the date of loyalty-membership registration. Anyone who does not book AC-class rail travel should treat these points as worth near zero.

Verified 10 Aug 2026

Forex markup3.5%

GolfNone

ConciergeNone

International loungeNone

EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · The kindest fee structure here. There is nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert. Converting an already billed amount is a separate product costing 1% capped at ₹2,000. · Merchant EMI and Flexipay earn no points. Points reversed on conversion are restored only if the EMI is cancelled, never on foreclosure

Fuel surcharge1% on transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle per card account. Not applicable on UPI transactions.

Domestic lounge4 a year. 4 complimentary RAILWAY lounge visits per year in India, maximum 1 per quarter. Primary cardholder only. Add-on cardholders and guests are not covered. This is NOT airport lounge access. The card has none. The higher-tier IRCTC SBI Card Premier gives 8 railway lounge visits a year.

Return by category

Category	Return	Notes
Online spend	0.8%	Base rate
Amazon	0.8%	Base rate
Flipkart	0.8%	Base rate
Subscriptions & OTT	0.8%	Base rate
Offline spend	0.8%	Base rate
UPI spending	0.8%	No card-specific UPI cap or sub-limit. NPCI/SBI limits apply: ₹5 lakh per day (₹1 lakh at small offline merchants) and ₹5,000 in the first 24 hours after the first UPI transaction. · This is the RuPay variant, so it links to Google Pay / PhonePe / Paytm. SBI Card's own UPI FAQ states UPI spends 'earn reward points as per existing product offering', and UPI is not in this card's exclusion list. So merchant (P2M) UPI spends earn the normal base 1 RP per ₹125 = 0.8%. Not eligible: P2P transfers, fuel, wallet loads, government/tax payments and EMI conversions on UPI. NPCI also blocks P2PM, C2C, lending platforms, cash withdrawal, e-RUPI, IPO, mutual funds and inward remittances. No linking or transaction fee. Note the fuel surcharge waiver does NOT apply to UPI transactions. There is no accelerated UPI rate on this card.
Dining	0.8%	Base rate
Swiggy	0.8%	Base rate
Zomato	0.8%	Base rate
Groceries	0.8%	Base rate
Quick commerce	0.8%	Base rate
Swiggy Instamart	0.8%	Base rate
Blinkit	0.8%	Base rate
BigBasket	0.8%	Base rate
Movies & shows	0.8%	Base rate
BookMyShow	0.8%	Base rate
PVR INOX	0.8%	Base rate
Fuel	0%	Purchases at petrol pumps/service stations (MCC 5172, 5541, 5983, 5542) earn no points (fuel surcharge waiver applies instead)
Travel (general)	0.8%	The accelerated rate is IRCTC rail only. Cabs, buses, tour operators and every other kind of travel earn the 0.8% base.
Flights	0.8%	Priced separately so it does not inherit the rail rate: air tickets, including flights booked via IRCTC, earn only the base 1 RP per ₹125. The accelerated value back is rail-only.
Hotels	0.8%	Priced separately so it does not inherit the rail rate: hotels and IRCTC holiday packages earn only the base 1 RP per ₹125.
MakeMyTrip	0.8%	Uses its travel rate
IRCTC rail	10%	No monthly or annual cap on value back · SEASONALLY TIERED and rail-only. 10 RP per ₹100 (10% value back) when the JOURNEY DATE falls 15 Jan-31 Mar or 15 Jul-15 Sep. 4 RP per ₹100 (4%) when the journey date falls 1 Apr-14 Jul or 16 Sep-14 Jan. Blended over a full year that is roughly 6.3%. Applies only to AC1, AC2, AC3, Executive Chair Car and AC Chair Car tickets booked on irctc.co.in or the IRCTC app. Sleeper, 2S and non-IRCTC rail bookings get only the 0.8% base. Points post 5 days AFTER the journey, only if the ticket was not cancelled, only if the cardholder is one of the listed passengers, only on that cardholder's own share of the fare, and only once per journey regardless of how many seats were bought. Refunded, forfeited, unused and free tickets earn nothing. Add the separate 1% IRCTC transaction-charge waiver on top.
International	−2.7%	0.8% reward − 3.5% forex markup
Utilities & bills	0.8%	Base rate
Rent	0%	No reward points on rent payments (MCC 6513).
Education fees	0.8%	Base rate
Insurance premiums	0.8%	Base rate
Government & tax	0%	No reward points on government-related transactions (MCC 9399, 9311).
Wallet loads	0%	E-Wallet loading (MCC 6540, 6541) earns no points, w.e.f. 1 July 2020
Anything else	0.8%	Base rate
Jewellery	0.8%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

The 1% IRCTC transaction charge on rail e-ticket bookings is waived, applied automatically at checkout. This is the card's most dependable benefit. Unconditional, not seasonally tiered, and it stacks on top of the value back.
Activation benefit: 350 bonus Reward Points (worth ₹350) on a single transaction of ₹500 or more within 60 days of card issuance, credited within 45 days of the qualifying transaction.
Renewal benefit: 500 Reward Points (worth ₹500) on payment and realisation of the renewal fee. Fee-linked, not spend-linked, and it fully offsets the ₹500 renewal fee.
Reward points are locked to the IRCTC ecosystem. If the card is voluntarily closed, blocked or suspended, accumulated points lapse or are forfeited, and the IRCTC loyalty account is blocked too.
Unlike the Cashback SBI Card, utilities, insurance, education, jewellery and digital gaming are NOT on this card's reward exclusion list. SBI's exclusions genuinely differ per product.
Product family: SBI's actively marketed entry tier is this IRCTC SBI Platinum Card on the RuPay platform (₹500), which is what sbicard.com's single entry-tier IRCTC page serves. A legacy IRCTC SBI Platinum on Visa also exists and third-party sources say it can still be requested, but it cannot do UPI. Whether it remains open to new applicants is unresolved. The higher tier is IRCTC SBI Card Premier at ₹1,499 with 8 railway lounge visits and a ₹1 lakh fraud liability cover.
Add-on card fee: nil.

Other exclusions

Merchant EMI and Flexipay earn no points. Points reversed on conversion are restored only if the EMI is cancelled, never on foreclosure
Cash advances, balance transfers and Encash earn no points. Financial charges and disputed transactions are also excluded

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.

IRCTC SBI Platinum (RuPay)

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Also worth knowing

Other exclusions

Sources

Other SBI Card cards