State Bank of India
SBI IRCTC Credit Card
Best for IRCTC rail travellers
₹500/yr annual fee · 1.6x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
1.6x
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
Yes
Eligibility
Not published
Reward cap
No published cap
Welcome benefit
500 Reward Points on payment and realization of renewal fee, plus 350 activation bonus RP on a single Rs 500+ transacti…
IRCTC SBI Platinum Card costs Rs 500+GST a year, gives 1 reward point per Rs 125 on retail and up to 10% value back on IRCTC rail bookings via loyalty points.
Who is this for
- Frequent traveller
- Daily driver
What we like
- 4 complimentary railway lounge visits/year (1/quarter)
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Annual fee | ₹500 | Not waivable |
| Renewal fee | ₹500 | Not waivable |
| Fuel surcharge | 1% | 1% fuel surcharge waived on Rs 500-3,000 transactions at all petrol pumps; max Rs 100 per statement cycle |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 Reward Point per Rs 125 spent on non-fuel retail purchases, including railway tickets on www.irctc.co.in and the IR… | — | 1 Reward Point = Re 1 (credited via IRCTC loyalty account) |
| TRAVEL | Up to 10% value back as reward points on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets bought through the… | — | Redeemable on IRCTC website/app; points calculated on base fare incl. co-travellers |
Benefits
-
4 railway lounge visits a year Highlight
4 complimentary railway lounge accesses per year in India (max 1 per quarter), primary cardholder only
-
IRCTC transaction-fee waiver
1% transaction charges on railway tickets booked on irctc.co.in are waived, credited monthly per updated merchant-ID list
-
Fuel surcharge waiver
1% fuel surcharge waiver on Rs 500-3,000 fuel transactions across all Indian petrol pumps, max Rs 100 per statement cycle
-
Renewal bonus 500 RP
500 Reward Points on payment and realization of renewal fee, plus 350 activation bonus RP on a single Rs 500+ transaction within 60 days
Eligibility
- Documents
- Visa card applied via sbicard.com e-apply; the product page publishes no minimum income figure, only an income-band filter.
Read the full application walkthrough: SBI IRCTC Credit Card apply guide.
Fees and charges
- Annual fee: Rs 500
- Renewal fee: Rs 500
- Fuel surcharge: 1% — 1% fuel surcharge waived on Rs 500-3,000 transactions at all petrol pumps; max Rs 100 per statement cycle
Rewards
- ALL: 1 Reward Point per Rs 125 spent on non-fuel retail purchases, including railway tickets on www.irctc.co.in and the IRCTC app Redemption: 1 Reward Point = Re 1 (credited via IRCTC loyalty account).
- TRAVEL: Up to 10% value back as reward points on AC1, AC2, AC3, Executive Chair Car and Chair Car tickets bought through the IRCTC app and website Redemption: Redeemable on IRCTC website/app; points calculated on base fare incl. co-travellers.
Benefits
- 4 railway lounge visits a year: 4 complimentary railway lounge accesses per year in India (max 1 per quarter), primary cardholder only
- IRCTC transaction-fee waiver: 1% transaction charges on railway tickets booked on irctc.co.in are waived, credited monthly per updated merchant-ID list
- Fuel surcharge waiver: 1% fuel surcharge waiver on Rs 500-3,000 fuel transactions across all Indian petrol pumps, max Rs 100 per statement cycle
- Renewal bonus 500 RP: 500 Reward Points on payment and realization of renewal fee, plus 350 activation bonus RP on a single Rs 500+ transaction within 60 days
Eligibility
Visa card applied via sbicard.com e-apply; the product page publishes no minimum income figure, only an income-band filter.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: State Bank of India. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the SBI IRCTC Credit Card apply walkthrough →
Apply for SBI IRCTC Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
You may also like
Cards with similar benefits, rewards, or eligibility requirements.
Frequently asked questions
Is the SBI IRCTC Credit Card worth it?
What is the annual fee for the SBI IRCTC Credit Card?
How does the SBI IRCTC Credit Card reward rate work?
Show 3 more questions
What are the eligibility requirements for the SBI IRCTC Credit Card?
Does the SBI IRCTC Credit Card offer airport lounge access?
What is the forex markup on the SBI IRCTC Credit Card?
← All credit cards · All State Bank of India cards · All Visa cards