SBISBI CardIRCTC SBI Platinum CardRuPay
IRCTC SBI Platinum Card Credit Card
SBI Card · with IRCTC · Travel
Up to 10% value back as Reward Points on railway ticket purchases.
- Joining fee
- ₹500
- Annual fee
- ₹500
- Waiver spend
- –
- Forex markup
- 3.5%
Fee waiver
No spend-based waiver listed by the bank.
Recent changes
- 1 May 2026Worse for you
Late payment charge becomes Rs 100 for dues of Rs 100 to 500 and Rs 500 for dues of Rs 500 to 1,000.
Work it out for this card
How the app counts rewards
- 4% back as points on AC rail tickets at IRCTC (10% from 15 Jan to 31 Mar and 15 Jul to 15 Sep)
- 1 point per ₹125 on other spends
No rewards on fuel, rent, wallet loads.
Points
IRCTC SBI Card Reward Points, worth about ₹1 each on the usual redemption. Expire after 2 years.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
More from SBI Card
Spot a mistake on this page? Tell us