IRCTC SBI Platinum Card

SBI Card · ₹500 a year

SBI Card’s entry card for IRCTC train travellers.

Base rate: 0.8% as Reward Point.

What the bank says

• Up to 10% value back as reward points on AC train tickets through IRCTC
• 1 reward point per ₹125 on non-fuel purchases, including IRCTC tickets
• 4 railway lounge visits a year

Things that catch people out

• The 10% on IRCTC AC tickets is not in our figure.

Joining fee: ₹500. Foreign currency markup: not published.

Read from SBI Card’s own page on 2026-09-16.

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