# Irctc Sbi Platinum Rupay Card

**Best for:** Frequent railway travelers seeking rewards

**Think twice if:** Rarely travels or uses foreign currency

**Key strengths:** Up to 10% value back on purchases · Complimentary access to railway lounges · Bonus reward points upon activation

## Fees

- **Annual Fee:** Annual Fee of Rs.500
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 1 Reward Points Per Rs.125 Spent on Retail
- **Welcome Benefit:** Welcome Benefits - 350 activation Bonus Reward Points
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- **Milestone Benefits:** Array

## Lounge Access

- **Domestic:** Enjoy 4 Complimentary Railway Lounge Access in a Year

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