About 10% value-back as points on AC tickets booked via IRCTC
1% IRCTC transaction charge waived
4 complimentary railway lounge visits a year
1% fuel surcharge waiver
Rewards on non-railway spends are minimal (about 1 point per ₹125). The travel rate below applies to IRCTC train tickets, not flights.
Approximate value back on every ₹100 you spend.
The IRCTC SBI Platinum Card is worth it if you spend a lot on travel & flights (3%) and online shopping (0.2%). There's no spend-based fee waiver, so make sure the benefits you'll actually use are worth more than the ₹300 annual fee. It's less suitable if very low rewards on everyday spends.
Featured in: Best Travel Credit Cards in India
21–60 years (salaried), up to 65 (self-employed)
Regular income; the bank sets the minimum
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹500 and the annual fee is ₹300 (plus GST).
No. The IRCTC SBI Platinum Card runs on Visa, and only RuPay credit cards can be linked to UPI.
Yes: 4 railway lounges / year. Lounge rules can change, so check current terms with the issuer.
It's best for train travel. The card for frequent train travellers: about 10% back on AC rail tickets booked on IRCTC.
Federal Bank / Axis Bank / BOBCARD
IDFC FIRST Bank
OneCard (with partner banks)