Joining Fee:
Apply Now₹500 +GST
Return Percentage:1% to 2%
Credit Card Overview
An IRCTC Platinum variant offering higher rewards on train ticket spends, milestone travel vouchers, and additional travel perks.
Best Suited For: Travel Booking
SBI
Fees and charges at a glance
- Annual fee
- ₹500
- Joining fee
- ₹500
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
SBI IRCTC Platinum credit card — Earn Categories
Everyday rate
- Base Rewards1 Reward Point (reward points) / ₹125
Minimum ₹125 per transaction
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- EMI
- Jewellery
- Rent
- Wallets
- Government
- Fuel
- Digital gaming