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IRCTC SBI Platinum Credit Card
SBI • MasterCard

IRCTC SBI Platinum Credit Card

Rail travel-focused SBI card for frequent IRCTC booking users.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹300Waived on INR 1L annual spends
Base Reward0.3%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,035Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹900

Assumes base reward rate only.

Annual feeWaived

Waived on INR 1L annual spends

Net value₹900

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
2.0%
Online
1.0%
Basedefault
0.3%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IRCTC SBI Platinum Credit Card is best positioned as a travel + online specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on travel-aligned lanes, while broad base return remains closer to 0.3%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to travel and online spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 300 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹500
  • Annual fee₹300
  • Waiver threshold₹1,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports10
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel, Online+42 more lounge visits in current datasetEstimated +₹1,610/yr value
View Details
Step 2

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: Rewards, OnlineHigher top earn rate (7.5%)Estimated +₹4,010/yr value
View Details
Step 3

Flipkart SBI Card

Annual fee: ₹500

Shared focus: OnlineHigher top earn rate (5.0%)Estimated +₹4,010/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IRCTC SBI Platinum Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No complimentary lounge spend rule is listed for IRCTC SBI Platinum card.

Quarter / cycle rule

No quarter/cycle lounge qualification rule is listed for IRCTC SBI Platinum card.

Guest access

Guest lounge access is not listed for IRCTC SBI Platinum card.

Priority Pass

Priority Pass is not listed for IRCTC SBI Platinum card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Enhanced value on IRCTC ticket transactions
  • Low annual fee profile
  • Useful for users with regular rail bookings

Things to Consider

  • Category-specific value concentration
  • Lower returns on non-travel spends
  • Not suitable as a primary all-purpose rewards card

About IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card is a points card from SBI, best for frequent train travelers booking via irctc. It is tagged under travel, rewards, online categories in our database.

TravelRewardsOnline

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Frequently asked questions

Is IRCTC SBI Platinum Credit Card lifetime free?

It has an annual fee of ₹300. Waived on INR 1L annual spends

What rewards does IRCTC SBI Platinum Credit Card offer?

Rail travel-focused SBI card for frequent IRCTC booking users.

Does IRCTC SBI Platinum Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider IRCTC SBI Platinum Credit Card?

Frequent train travelers booking via IRCTC

Where can I apply for IRCTC SBI Platinum Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.