IRCTC SBI Platinum Card

Rewards

• General 1 Reward Point per ₹125 spent on non-fuel retail purchases
• Travel 10 Travel Reward Points per ₹100 of eligible rail base fare during the two high-rate travel windows
• Travel 4 Travel Reward Points per ₹100 of eligible rail base fare during the standard travel windows
• General 350 activation bonus Reward Points (one-time welcome benefit)
• General 500 Reward Points on renewal fee payment (annual milestone)
• Fuel 1% fuel surcharge waiver (NOT a reward earn rate)
• Travel Save 1% transaction charges on IRCTC railway bookings (NOT a reward earn rate)

Reward cap

100 per statement cycle

Lounge access

Included — 4 railway per year (max 1 per quarter)

Does not earn on

Except fuel. · Fuel and Cash spending are not included.

Annual fee

₹500

Joining fee

₹500

Fee waiver

Spend ₹0 in a year

Foreign purchases

3.5% markup on international spends

Eligibility

Age 21+ · Income not disclosed

Repayment

Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.