cards / mid / sbi-irctc-platinum
SBIVisamid-tier

IRCTC SBI Platinum Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 500/yr
joining fee₹ 500
base earn rate0.8 / ₹100
rewards inReward Points

✓ best for

Flights & Hotels

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.8 / ₹100
Flights & Hotels10 / ₹100

benefits & perks

Welcome Benefits

Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 60 days of card issuance.

Railway Lounge Program

4 complimentary railway lounge access in a year in India (max. 1 per quarter)

Milestone Benefits

500 Reward Points on payment of renewal fee

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver across all petrol pumps in India, on transactions of Rs. 500 to Rs. 3,000

unlocks at ₹ 500/yr

run your spend profileto see this card's value for you.