The IRCTC SBI Platinum RuPay Card has a ₹500 annual fee, earns 1 Reward Points Per ₹125 Spent on Retail, includes 4 railway lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Base rewards | 1 Reward Points Per ₹125 Spent on Retail |
| Lounge access | 4 railway lounge visits a year |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
68 online offers across 42 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- AJIO: Flat Rs.150 off · till 31 Jul 2027
- Air India: Flat 12% off · till 7 Dec
- Reliance Digital: 5% Instant Discount · till 31 Dec
- Hp - Hewlett-packard: Rs.18000 Cashback · till 10 Nov
These are SBI Cards's own offers and RuPay network offers, so they apply to every SBI Cards RuPay card, not just this one. All SBI Cards offers by category.
More about the Irctc Sbi Platinum Rupay Card
Is the Irctc Sbi Platinum Rupay Card worth it in 2026?
Yes, the Irctc Sbi Platinum Rupay Card is worth it in 2026 with an annual fee of Rs.500 and rewards of up to 10% value back as reward points. It also offers 4 complimentary railway lounge accesses annually, adding value for frequent travelers.
Who should get the Irctc Sbi Platinum Rupay Card?
This card is ideal for frequent railway travelers and retail shoppers who want to earn 1 reward point per Rs.125 spent and benefit from milestone rewards of 500 points. It suits users looking for affordable annual fees with travel-related perks.
How to maximise rewards on the Irctc Sbi Platinum Rupay Card?
To maximise rewards, spend on retail purchases to earn 1 reward point per Rs.125 and aim to reach milestone benefits to earn an additional 500 points. Utilise the card for railway bookings to enjoy up to 10% value back in reward points.
Is the Irctc Sbi Platinum Rupay Card better than a top competing premium card?
While it offers competitive rewards and 4 complimentary railway lounge accesses, the Rs.500 annual fee is lower than many premium cards. However, it may lack some premium benefits found in higher-tier cards, making it better suited for budget-conscious travelers.