Fees read from issuer pageUpdated 2026-07-28
SBI Card
IRCTC SBI Platinum Card
₹500 + taxes a year
LinePersonal
Joining feeNot stated
Annual fee₹500 + taxes
Forex markupNot stated
Rewards, as stated by the issuer
- 1 Reward Point per Rs. 125 spent on other non-fuel retail purchases, , including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
- 500 Reward Points on payment of renewal fee
- Up to 10% value back as reward points on buying tickets through IRCTC
Other benefits
- Up to 10% value back as reward points on buying tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car and Chair Car
- To redeem rewards, click here
- Reward Points will be transferred to IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (Android only)
- Reward Points on IRCTC bookings are calculated on the Booking base fare, including the Primary Cardholder’s fare and all co-travellers’ fares
- 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App (Android only)
- Reward Points accrued in a customer’s SBI Card account will not get credited to his / her IRCTC loyalty account if the status of the loyalty account is blocked, inactive or suspended
- To know more, click here
- 500 Reward Points on payment and realization of renewal fee
- Book airline tickets with IRCTC at unbeatable prices
- Get a wide range of tailor-made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
- In case you decide to cancel any railway ticket, a charge of 1% of the total refund amount will be debited to your card
- Waiver of 1% Transaction Charges on booking of railway tickets through www.irctc.co.in will be reviewed & credited as per the updated Merchant ID / Terminal ID list on monthly basis (applicable only on bookings made at www.irctc.co.in and not through any IRCTC partner website)
- Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 3,000
- Maximum waiver of Rs. 100 per statement cycle, per credit card account
- Tap & Pay with Ease: Make everyday payments effortlessly with IRCTC SBI Card Platinum. Simply tap your card on a secure reader for instant transactions
- Fast & Convenient: No need to hand over your card or fumble for cash or coins. Tap and go for small, everyday payments in seconds
Welcome & milestones
Welcome
- Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance
- Bonus Reward Points will be credited within 45 days of eligible transaction
- Fuel and Cash spending are not included
- Please click here for FAQ’s
- 1 Reward Point = Re. 1
Milestones
- 500 Reward Points on payment of renewal fee
Lounge access
Railway: 4 complimentary railway lounge access in a year in India · 4 complimentary railway lounge access in a year in India (max. 1 per quarter) · Complimentary access to railway lounges will be applicable only for primary cardholders
Eligibility
Income
- Monthly income up to ₹49,999
Every fee line found on the page
- Annual Fee: Rs.500 + taxes
- Renewal Fee (per annum): Rs. 500 + taxes
- What is Annual Fee and Renewal Fee of the card? The Annual Fee of the card is Rs. 500 + taxes. The Renewal Fee is Rs. 500 + taxes from second year onwards
- Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 3,000