The SBI Cards IRCTC Visa Platinum 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 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
223 online offers across 161 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.14000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
These are SBI Cards's own offers and Visa network offers, so they apply to every SBI Cards Visa card, not just this one. All SBI Cards offers by category.
More about the SBI Cards IRCTC Visa Platinum Credit Card
Is the SBI Cards IRCTC Visa Platinum Credit Card worth it in 2026?
The SBI Cards IRCTC Visa Platinum Credit Card offers an annual fee of Rs.500 and rewards of 1 Reward Point per Rs.125 spent on retail. With up to 10% value back as reward points and 4 complimentary railway lounge accesses annually, it provides good value for frequent travelers and shoppers.
Who should get the SBI Cards IRCTC Visa Platinum Credit Card?
This card is ideal for frequent railway travelers who can benefit from 4 complimentary railway lounge accesses each year. Additionally, users who spend regularly on retail and want to earn reward points with milestone benefits and fuel surcharge waivers will find this card suitable.
How to maximise rewards on the SBI Cards IRCTC Visa Platinum Credit Card?
To maximise rewards, spend on retail to earn 1 Reward Point per Rs.125 and aim for milestone benefits to earn 500 additional reward points. Also, take advantage of the welcome bonus of 350 activation reward points and use the card for fuel purchases to get a 1% fuel surcharge waiver.
Best fuel stations for the SBI Cards IRCTC Visa Platinum Credit Card?
The card offers a 1% fuel surcharge waiver on fuel purchases, making it beneficial at all fuel stations. Using the card regularly for fuel expenses can help save on surcharge fees and earn reward points simultaneously.